Freelance Rate Calculator
Turn a personal income goal into a client rate that accounts for the hours you cannot bill.
Verify this calculatorMaintained
See what the result uses—and what it cannot know.
Sumvoro calculates deterministically from the visible inputs. It does not invent lender terms, local rules, market values, medical facts, or professional judgments.
- 1 · InputsCheck every entered value against the latest statement, quote, measurement, or official source.
- 2 · Formula
Required revenue equals target pay plus business costs and reserves. Hourly rate equals required revenue divided by annual billable hours. - 3 · SensitivityUse Insights to run a lower and higher case. If the conclusion changes easily, collect better information or leave more margin.
- 4 · ScopeThis tool is maintained and covered by automated calculation tests. Provider timing, rounding, and omitted facts can still change a real-world result.
- Formula release
- 2026.10-r4
- Release date
- October 10, 2026
- Review status
- Maintained
- Source review
- September 12, 2026
Optional readingLearn how this calculator works
How the freelance rate calculator works
Estimate a sustainable freelance hourly rate from income goals, business costs, nonbillable time, time off, and a profit reserve.
Required revenue equals target pay plus business costs and reserves. Hourly rate equals required revenue divided by annual billable hours.
Read our calculation methodology and limitations.
Example
A $90,000 pay goal with $18,000 of business costs and 25 billable hours per week requires more than simply dividing $90,000 by 2,080 hours.
What affects the result
- Not every working hour is billable.
- Time off reduces annual capacity.
- Taxes, insurance, software, equipment, and payment fees should be entered when relevant.
Frequently asked questions
Is the tax reserve a tax calculation?
No. It is a planning percentage applied to the income and cost target; confirm actual obligations with a qualified professional.
Why add a profit reserve?
A reserve can fund growth, replacements, slow periods, and business risk beyond the owner’s target pay.