📋 Freelancer Rate Card

Build a day and hourly rate from your own income target, overhead, reserve and billable capacity. Country worksheets are separate starting points, not live market quotes.

Plan a sustainable rate

Your workable rate depends on income needs, business overhead, non-billable time, payment risk and local tax obligations. Use the planner below, then compare the result with current client evidence.

Disclaimer: Country worksheets may contain planning assumptions. Verify current tax, contribution and market evidence before relying on them.

Capacity-based rate planner

Turn an income target into a day rate

Use your own monthly target, overhead and realistic billable capacity. The reserve is user-entered and is not a tax rate.

Enter your planning inputs.