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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Note : L'interface de l'outil ci-dessous n'est actuellement disponible qu'en anglais. On traduit les UI une par une. Voir cet outil en anglais →
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.
Estimations uniquement. Les résultats sont générés par des formules générales à partir des données que tu saisis, uniquement à titre informatif. Ce ne sont pas des conseils financiers, fiscaux, juridiques, médicaux ou professionnels, et ils ne tiennent pas compte de ta situation individuelle, juridiction, taxes, frais ou état de santé. Vérifie toujours les chiffres importants avec un professionnel qualifié. En utilisant cet outil, tu acceptes nos Conditions & Avertissement.

Comment ça marche

  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.

À propos de 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 sur 712 Tools tourne entièrement dans ton browser via des APIs JavaScript natives - aucun server ne voit jamais tes données. Résultats instantanés, privacy complète, et aucune limite d'upload.

Que ce soit pour une session de debug, un sanity check rapide ou un incident en prod, cet outil est gratuit à utiliser autant que tu veux. Pas de watermarks, pas de signup et pas d'ads dans l'outil.

Questions fréquentes

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.

Lire plus

6 min de lecture

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.

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