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

🔒 100 % im Browser🆓 Für immer kostenlos⚡ Kein Signup
Hinweis: Das Tool-Interface unten ist aktuell nur auf Englisch verfügbar. Wir übersetzen die UIs Stück für Stück. Dieses Tool auf Englisch ansehen →
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.
Nur Schätzungen. Die Ergebnisse werden mit allgemeinen Formeln aus deinen Eingaben berechnet und dienen nur der Information. Sie sind keine Finanz-, Steuer-, Rechts-, Medizin- oder sonstige professionelle Beratung und berücksichtigen weder deine individuelle Situation, Gerichtsbarkeit, Steuern, Gebühren noch gesundheitliche Verhältnisse. Wichtige Zahlen bitte immer mit einer qualifizierten Fachperson prüfen. Mit der Nutzung dieses Tools akzeptierst du unsere Bedingungen & Haftungsausschluss.

So funktioniert's

  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.

Über 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 auf 712 Tools läuft komplett in deinem Browser über native JavaScript APIs - kein Server sieht je deine Daten. Das heißt: sofortige Ergebnisse, volle Privatsphäre und keine Upload-Limits.

Ob für eine Debugging-Session, einen schnellen Sanity Check oder einen Produktions-Incident - dieses Tool ist kostenlos so oft nutzbar, wie du willst. Keine Wasserzeichen, kein Signup und keine Ads im Tool selbst.

Häufige Fragen

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.

Weiterlesen

6 Min. Lesezeit

Your real hourly rate is 40-60% lower than you think

Freelancers benchmark their $75/hr rate against a $75/hr salary - but taxes, health insurance, tools, retirement and unpaid admin cut it in half. Here's the math.

Verwandte Tools

Percentage Calculator

What is X% of Y, X is what % of Y, percent increase, decrease, and change

Mortgage Calculator

Estimate your monthly mortgage payment, total interest, and full amortization schedule

Loan / EMI Calculator

Calculate monthly EMI, total interest, and total payable for any personal, auto, or student loan

BMI Calculator

Calculate Body Mass Index from height and weight - metric (cm/kg) or imperial (ft·in/lb)

Age Calculator

Calculate exact age in years, months, and days from any date of birth to any date

Date Calculator

Calculate days between two dates, or add/subtract days, weeks, months, or years from any date