Before you start
What you need
Target income, annual expenses, planning reserve, billable weeks, billable hours, and currency.
Finance & Business Finance
Freelancer Rate Calculator
Estimate a sustainable hourly rate from income goals, business expenses, reserve, and realistic billable capacity.
- 01Private browser calculation
- 02Assumptions stay visible
- 03CSV and print ready
Transparent method
How this calculation works
Income and expenses are grossed up for the planning reserve, then spread across annual billable weeks and hours.
Useful output
What you receive
Minimum hourly rate, annual revenue target, billable capacity, reserve amount, assumptions, and CSV.
Decision guardrail
What this does not decide
The reserve is not a tax return estimate, and market demand may not support the calculated rate.
Practical uses
Where this tool helps
- Set a consulting rate floor.
- Plan for leave and non-billable work.
- Compare part-time and full-time capacity.
Data boundary
Financial inputs remain local
Calculations and report generation run in your browser. Nirmion does not upload, retain, or recover the values entered here. The public catalogue request contains only the tool slug.