Required hourly rate
Watch$182
Gross billable rate needed to cover income, expenses, tax set-aside, and buffer.
Freelance Rates
Freelance Rate Reality Calculator
A rate calculator for freelancers who need to price around real billable capacity rather than a full-time employee schedule.
Decision report included
Review the decision summary, key metrics, assumptions, and action items, then create a printable report for a lender, broker, household, or client discussion.
Use the report to document the scenario, explain the tradeoff, and agree on the next action.
Inputs
Enter your scenario.
Decision Summary
Required hourly rate
$182
To target $95,000 take-home, the required rate is about $182 per hour or $1,362 per day.
Decision index
HealthyKey metric comparison
Required hourly rate$182
Recommended day rate$1,362
Annual revenue target$178,346
Monthly revenue target$14,862
Billable hours982
Recommended day rate
Watch$1,362
Hourly rate multiplied by a 7.5-hour billable day.
Annual revenue target
Watch$178,346
Gross annual freelance revenue target.
Monthly revenue target
Healthy$14,862
Average monthly revenue needed to hit the annual target.
Billable hours
Watch982
Estimated annual hours that can be billed to clients.
Non-billable hours
Watch602
Working hours used for admin, sales, learning, and downtime.
Rate confidence score
Healthy93/100
Blends utilisation, buffer, billable capacity, and rate defensibility.
Assumptions
Review the assumptions behind the result.
- Billable hours are reduced by utilisation, leave, admin, marketing, and downtime.
- Tax set-aside is treated as a percentage of gross freelance revenue.
- Target margin creates a business buffer above required income and expenses.
How To Use The Result
Turn the output into a practical next step.
- Use conservative billable hours until your pipeline is proven.
- Set aside tax and retirement/super before calculating take-home comfort.
- Use the day rate for proposals and the hourly rate for scope control.
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