Calculate your real take-home pay after invisible business costs.
Freelancers and contractors often think in day rates or annual income, but the real question is what you earn per billable hour after expenses are deducted. Enter your income, costs, billable hours per week, and weeks worked per year to find your true rate.
Enter your gross annual income, your estimated annual business expenses, how many hours per week you bill clients, and how many weeks per year you work. Your true hourly rate updates instantly.
The calculation deducts expenses and divides by actual billable hours. Fewer billable weeks (holidays, sick days, admin time) raise the true cost of each hour you sell.
Software subscriptions, equipment, insurance, accountancy fees, training, office costs, marketing — anything you spend to run your business.
This tool runs entirely in your browser. Nothing you type or paste is sent to any server — all processing happens locally on your device.