Most new freelancers undercharge by 30–50% because they forget unpaid hours, time off and self-employment tax. This calculator works backwards from the take-home pay you actually want.

What’s inside
• Minimum rate calculator: enter your income goal, expenses, weeks off and billable hours, and get your minimum hourly rate, day rate, monthly retainer and revenue target
• Project pricer: list tasks and hours, add a scope-creep buffer, and get a rounded quote plus a 50% deposit amount
• Take-home per invoice: type any invoice amount and see platform fees, payment processing, your tax set-aside, savings and what’s actually yours to spend
• Employee-salary comparison, so you can judge whether a rate is really a raise

Why it pays for itself
Raising your rate by just $5 an hour on 1,000 billable hours is $5,000 a year.

Who it’s for
US freelancers, consultants and 1099 contractors pricing their services.

What it isn’t
A planning tool, not tax or financial advice. Tax set-aside percentages are estimates you choose. Confirm your situation with a tax professional.

Works in Excel and Google Sheets. One-time payment, instant download.

Save more: get all 5 tools ($63 value) for $29 in The Freelancer Money System bundle: https://whop.com/checkout/plan_VWc5yBRpzkaNp