Freelancer-Entrepreneur Rate Calculator

Find Your Hourly & Day Rate Based on What YOU Want to Net!

This tool works backwards from the income you actually want — after taxes — and tells you exactly what to charge.

Enter your target take-home pay, how many days you work, and what percentage of your hours you actually bill. The calculator handles the math: self-employment tax, federal brackets, standard deduction, the QBI deduction, and an optional state rate. It solves for the gross you need to net your goal — then divides it by your real billable hours.

**What it calculates:**

→ Your required hourly rate and day rate, rounded to a clean number

→ Gross annual revenue needed to net your target after all taxes

→ SE tax, federal income tax, and optional state tax breakdown

→ Project-size estimate table: quick tasks, small/medium/large projects, monthly retainer

→ Sensitivity chart: if your billable ratio drops, how high does your rate need to go?

**Features:**

→ Live sliders for billable hours per day and billable ratio — watch the rate adjust in real time

→ Newton-Raphson solver (under the hood) — no circular formulas, no approximation

→ Accounts for SE tax deduction, QBI deduction, and standard deduction correctly

→ Supports all filing statuses

→ Works in any browser, no install required