True Hourly Rate Calculator - What You Actually Earn as a Freelancer

See the real hourly rate you earn after taxes, health, tools, retirement and unpaid admin

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ملاحظة: واجهة الأداة أدناه متاحة حالياً بالإنجليزية فقط. نحن نترجم الـ UIs تباعاً. شاهد هذه الأداة بالإنجليزية →
Self-employment tax + federal + state avg; individual ACA silver plan.
Gross annual
$86,250.00
Overhead + tax + retirement
$37,582.50
Net take-home / year
$48,667.50
TRUE hourly rate
$32.06
The reality check
You bill $75.00/hr, but after tax, health, tools, retirement, and 8h/wk of unpaid admin, your real earning rate is $32.06/hr - a 57% drop from your headline rate.
Only 76% of your working hours are billable. Working 46 weeks × 33h = 1518 actual hours per year.
Estimates only. Consult a local accountant for your actual tax situation.
تقديرات فقط. النتائج تُحسب بمعادلات عامة من المدخلات التي تُدخلها وهي لأغراض معلوماتية فقط. ليست نصيحة مالية أو ضريبية أو قانونية أو طبية أو مهنية، ولا تأخذ في الاعتبار ظروفك الشخصية أو الاختصاص القضائي أو الضرائب أو الرسوم أو الحالة الصحية. تحقّق دائماً من الأرقام المهمة مع مختص مؤهل. باستخدامك لهذه الأداة فأنت توافق على الشروط وإخلاء المسؤولية.

طريقة الاستخدام

  1. 1
    Enter your billed rate

    The hourly rate you invoice clients today.

  2. 2
    Add billable + unpaid admin hours

    How many hours you actually bill each week, plus the unpaid hours you spend on sales, invoicing, learning and admin.

  3. 3
    Pick a country preset or customize

    Pre-filled tax rate and health insurance for your country. Override any field for your exact situation.

  4. 4
    Read the true rate

    The tool shows your real take-home per actual hour worked - usually 40 to 60% lower than your headline rate.

عن True Hourly Rate Calculator - What You Actually Earn as a Freelancer

Free true hourly rate calculator for freelancers, contractors and consultants. Enter your billed rate and the tool subtracts taxes, health insurance, tool subscriptions, retirement savings and unpaid admin hours to show what you actually earn per hour of work. Country presets for US, UK, Canada, Australia, Germany and India. Runs entirely in your browser. True Hourly Rate Calculator - What You Actually Earn as a Freelancer على 712 Tools يعمل بالكامل داخل الـ browser الخاص بك باستخدام APIs الأصلية لـ JavaScript - لا يرى أي server بياناتك أبداً. أي: نتائج فورية، خصوصية كاملة، ولا حدود للرفع.

سواء كنت في جلسة debugging، أو مراجعة سريعة، أو حادثة إنتاج - هذه الأداة مجانية وبلا حد للاستخدام. لا علامات مائية، ولا تسجيل، ولا إعلانات داخل الأداة.

الأسئلة الشائعة

Why is my true hourly rate so much lower than my billed rate?

Because taxes, health insurance, retirement, tool subscriptions and unpaid admin hours all come out of the rate before it becomes take-home. Most freelancers underestimate this by 30 to 50%.

Are the country presets accurate?

They are reasonable averages for a mid-earning self-employed person. Your exact tax and health costs depend on state or province, deductions, dependents and coverage tier. Adjust the fields to match your situation, or ask a local accountant.

What counts as unpaid admin hours?

Any time you spend on your business that you cannot bill a client for: sales calls, proposals, contracts, invoicing, chasing payment, bookkeeping, learning, marketing, and time between projects.

Is any of this data uploaded?

No. Everything runs in your browser and nothing is sent to a server.

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