Independent work tool
Build a freelance rate that covers the work around the work
Work backward from the income you need, realistic billable time, expenses, taxes, benefits, fees, and risk—then create a private worksheet or client-safe rate card.
Sustainable rate plan
Billable capacity—
Target billed revenue—
Working year—
Utilization—
Tax reserve—
Platform fees—
Bad-debt allowance—
Profit buffer—
Client-safe rate card
Notes
Use this space for project notes before saving as PDF.
Disclaimer: Use calculations at your own risk. For critical applications, verify results against your governing standards/specifications.
Why the number is higher than salary ÷ 2,080
A freelancer cannot normally bill every working hour. Sales, administration, revisions, learning, equipment, insurance, time off, benefits, taxes, and unpaid invoices all have to be funded by the hours that can be billed.
The floor rate covers the assumptions entered above. The target rate adds the selected profit or reinvestment buffer.
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