What should I charge as a freelancer?

Work backwards from the income you want: add overhead and a tax set-aside, then divide by the hours you can really bill. The freelance rate calculator does this in seconds, and the rate benchmarks dataset shows what others charge.

How much should I set aside for taxes?

For US freelancers a common starting point is 25-30% of net profit, covering income tax plus self-employment tax. The quarterly tax calculator turns that rule of thumb into a figure based on your actual numbers.

Are these calculators really free?

Yes. Every tool runs in your browser with no signup, and your numbers never leave it. The methodology page documents how each formula is built, sourced and reviewed.

Money math for people who work for themselves

Free calculators for freelance rates, taxes and take-home pay

Every tool here answers in money: what to charge, what the IRS will want in April, what a client paying at 60 days is costing you. 90+ calculators and document generators for self-employed people in the US, UK and Spain, no signup, the formula printed on the page, datasets checked on stated dates.

Find your hourly rate Make an invoice

96 calculators and generators
40 plain-language guides
9 original datasets
9 precomputed answer series
3 countries covered

01Browse by category

16 tools Rates & pricing What to charge, when to raise it, and how to price projects, days, and rush jobs without guessing.
14 tools Taxes Self-employment tax, quarterlies, deductions, and entity decisions, with 2025 constants and every assumption stated.
11 tools Invoicing & cash flow Getting paid: professional invoices, deposits, late fees, kill fees, and what processors and platforms take.
13 tools Personal finance The money around the business: runway for slow months and retirement accounts built for self-employment.
04 tools Investing calculators The saving-and-investing math for people with irregular income: steady contributions, honest assumptions, and every formula on the page. Projections use a constant assumed return; markets do not work like that, and each tool says so.
07 tools Document tools Tools that produce the paper: invoices, quotes, payment reminders, and contract clauses, all in your browser.
09 tools Small business For the freelancer becoming a business: margins, break-even, pricing structure, and the real cost of hiring.
05 tools Creator earnings Turning platform metrics into income ranges: views, followers, opens, and downloads, with every industry constant visible and editable.
79 tools Browse every calculator

02Original data

Compiled from official sources, with the check date printed on every set. The Freelance Cost Index scores the lot into one number a month.

2026-09-01 The Freelance Cost Index Monthly index of what a US freelance business costs to run: tax drag, IRS interest, platform take, card fees, cross-border cost and shelter room.
2026-08 Freelance rates benchmark What freelance writers, editors, designers, developers, VAs, grant writers, podcast editors, and translators charge: verified figures from published surveys, every source linked.
2026-09-26 Payment fees dataset A computed, reproducible dataset of what Stripe, PayPal, Square, Upwork, Fiverr, and Freelancer.com cost freelancers. CSV included.
2026-08-21 What the employed version of your work earns Median annual and hourly wages for eleven freelance-relevant occupations, straight from the BLS May 2025 wage survey: developers, designers, writers, editors, consultants, translators and more, with the all-occupations reference.
2026-08-21 What the employed version of your work earns in the UK Median gross annual and hourly pay for nine freelance-relevant occupations, parsed straight from the ONS Annual Survey of Hours and Earnings 2025 (full-time employees), with the all-employees reference.
2026-08-21 What Spain pays, by occupation group and region Gross annual salaries from the INE annual wage-structure survey, 2024 edition, pulled first-hand from the INE API: sixteen occupation groups by mean pay and every region by median, with the national references.
2026-08-22 Broker fees on one honest scenario Trading 212, Interactive Brokers, DEGIRO, XTB and eToro on one comparable trade: 1,000 euros of a US stock, commission plus published FX fee, each row linking its official schedule with the check date stated.
2026-08-23 LLC cost by state Filing fee, report fee and cadence, annual state tax and the recurring bill for all 50 states and DC. Sourced from each state, dated.
2026-08-21 Crypto exchange fees: the published numbers Base-tier spot maker and taker fees at Binance, MEXC, Kraken Pro and Coinbase Advanced, taken from each exchange's published schedule with the check date stated, plus what a 1,000 and a 10,000 trade actually costs at each.

See all datasets

03Precomputed answers

Common amounts worked out page by page with the same tested engines as the calculators.

04Most used

Hourly rate calculator From target income to a defensible quote.
Invoice generator Professional invoices in the browser, print to PDF.
Quarterly tax estimator Four payments, no April surprise.
1099 take-home calculator From contract rate to what lands in your account.
W-2 vs 1099 rate calculator What a salary is really worth as a contract rate.
Billable hours calculator How many billable hours your year really holds.

05Latest guides

Sep 26, 2026 Plan a freelance slow season with runway math Model a $3,000 monthly cash burn, see how long $12,000 lasts, and set a trigger for cutting costs before a dry spell empties the account.
Sep 26, 2026 Freelance taxes in multiple states: start with source A client in another state does not settle the filing question. California and New York source freelance service income differently.
Sep 26, 2026 Invoice mistakes that delay freelance payment Five checks before sending an invoice: scope, totals, due date, approval contact, and payment details. Includes a $2,000 worked example.
Sep 26, 2026 Net 30 for freelancers: the cash-flow cost A $5,000 invoice on net 30 costs $73.97 at an 18% annual funding rate. See when a deposit or shorter term matters more than a discount.
Sep 26, 2026 Price a productized service without losing the margin A repeatable $2,000 service still needs a scope limit. Model delivery hours, revisions, and overruns before putting a fixed price on the page.

See all guides

06Jurisdictions on file

Tax rules change at the border. Each jurisdiction keeps its own tools, constants and calendar.

25 dedicated tools United States
07 dedicated tools United Kingdom
10 dedicated tools Spain

All countries Freelance tax calendar

07Frequently asked questions

What should I charge as a freelancer?: Work backwards from the income you want: add overhead and a tax set-aside, then divide by the hours you can really bill. The freelance rate calculator does this in seconds, and the rate benchmarks dataset shows what others charge.
How much should I set aside for taxes?: For US freelancers a common starting point is 25-30% of net profit, covering income tax plus self-employment tax. The quarterly tax calculator turns that rule of thumb into a figure based on your actual numbers.
Are these calculators really free?: Yes. Every tool runs in your browser with no signup, and your numbers never leave it. The methodology page documents how each formula is built, sourced and reviewed.

How the figures are kept

Every formula is shown on its page. Tax constants carry their year and are reviewed each January. Original datasets state the date they were last checked.

Read the methodology About Press kit