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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Catatan: Interface tool di bawah saat ini baru tersedia dalam bahasa Inggris. Kami sedang menerjemahkan UI satu per satu. Lihat tool ini dalam bahasa Inggris →
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.
Hanya estimasi. Hasil dihitung dari rumus umum berdasarkan input yang kamu masukkan, dan hanya untuk tujuan informasi. Bukan nasihat finansial, pajak, hukum, medis, atau profesional, dan tidak memperhitungkan situasi pribadi kamu, yurisdiksi, pajak, biaya, atau kondisi kesehatan. Selalu verifikasi angka penting dengan profesional yang berkualifikasi. Dengan memakai tool ini kamu setuju dengan Syarat & Disclaimer.

Cara pakai

  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.

Tentang 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 di 712 Tools jalan sepenuhnya di browser kamu pakai JavaScript API native - tidak ada server yang pernah melihat data kamu. Artinya hasil instan, privasi penuh, dan tanpa batas upload.

Buat sesi debug, quick sanity check, atau incident produksi - tool ini gratis dipakai sebanyak yang kamu butuh. Tanpa watermark, tanpa signup, dan tanpa ads di dalam tool.

Pertanyaan yang sering ditanyakan

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.

Baca lebih lanjut

6 menit baca

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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