The Freelance Rate Calculator

Bottom Line — Freelance Rate Calculator

Most freelancers arrive at their hourly rate through guesswork, a conversation with someone in a similar field, or a number they felt the market might accept. Bottom Line does something different — it works backwards from what you actually need to take home, after tax, super, and every business expense, and tells you the minimum rate required to get there.

But here's what makes it different from every other rate calculator on the market: it accounts for the real shape of freelance work in 2026. The pipeline gaps. The dead weeks. The competitive pressure that keeps pushing rates down. The creeping impact of AI on work that used to be yours alone. Adjust the sliders, watch the number move, and find out — probably for the first time — what you actually need to charge.

Fair warning: it's usually higher than you think. That's not a flaw in the tool.

One-off download. No subscription. No account. Australian tax rates built in.

This tool is a practical planning aid and does not constitute financial or tax advice.

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