What is this? This calculator reveals the true hourly rate you need to charge as a freelancer or consultant — accounting for business expenses, health insurance, retirement savings, taxes, and the fact that only a fraction of your hours are billable. It shows your true hourly value vs the headline rate you might quote.
Who it's for: Freelancers, consultants, contractors, and self-employed professionals who need to set rates that actually cover their costs and hit their income targets.