All calculators

Work out how many hours you need to bill per year, week, and day to hit your income target — based on your hourly rate and the weeks you actually work.

Work out the day rate you need to charge as a freelancer or contractor — based on your annual income target, billable days per year, and business costs.

Work out the hourly rate you actually need to charge as a freelancer — based on your target income, business costs, time off, and billable percentage.

Convert an hourly rate into an annual salary, then see the honest employee-equivalent number after self-employment tax and lost benefits — because a freelance dollar and a salaried dollar aren't worth the same.

Turn an hours estimate into a fixed-price project quote — with a risk buffer for scope creep and room for licenses, assets, or subcontractors on top.

Price a monthly retainer for guaranteed hours — see the standard total, the discounted commitment price, and your effective rate after the discount.

Work out your new rate after a percentage increase, the extra annual revenue it generates, and how much billable-hour loss still breaks even.

Find out what a fixed-fee job actually paid you per hour once direct costs and unbilled time are counted, and how far that falls from your target rate.

Find out exactly how much a flat-fee project cost you once it ran past its quoted hours — and what your fee actually worked out to per hour.

Work out the surcharge and total price for a rushed job — pick a turnaround tier and see the exact rush fee on top of your normal price.

Turn a word count and a per-word rate into a total price and an effective hourly rate — see instantly whether that $0.10-a-word gig actually pays.

Convert a salary into the freelance rate that replaces it — accounting for lost benefits, business expenses, self-employment tax, and billable hours.

Find the minimum hourly rate you must charge to cover your business costs, living expenses, and taxes — plus a recommended rate with a built-in margin.

Adjust your freelance rate for a client's country using a cost-of-living index — charge more for expensive markets, price fairly for cheaper ones.

Build a Basic/Standard/Premium consulting package ladder from your income target, costs, and billable days — plus clients needed at the standard tier.

Compare a capped monthly retainer against billing hourly — see your effective rate under the retainer, the break-even hours, and the monthly dollar gap.

Work backward from the annual income you want to the hourly rate, day rate, and monthly revenue you need to charge — then check whether you're actually on pace to hit it.

Turn hours, hourly rate, and proposal complexity into a fee-for-service grant writing quote — priced honestly, never as a percentage of the grant awarded.

Price podcast editing by raw audio minute and complexity tier — get a per-episode fee, price per raw hour, and monthly retainer for recurring shows.

Price work on the value it creates for the client, not your hours — turn outcome value, attribution, and a 10-20% capture rate into a recommended fee.

Find the rate loading you need to self-insure against unplanned sick days — freelancers get no paid sick leave, so the buffer has to come from your rate.

Price a retouching batch per image by complexity tier, add a rush surcharge, and get a project fee freelance photo retouchers can actually quote.

Price audiobook narration Per Finished Hour: enter manuscript word count and your PFH rate to get project fee, finished hours, and estimated labor hours.

Estimate what you actually keep from 1099 income after self-employment, federal, and state tax, using your own rates — plus a monthly take-home figure.

Compare a 1099 contract rate against a W-2 salary and benefits package by isolating the self-employment tax drag on 1099 income.

Compare the IRS simplified ($5/sqft) and actual-expense home office deduction methods side by side, see which one wins, and estimate the tax you save.

Turn your expected annual net profit and effective tax rate into a quarterly estimated-tax payment schedule, adjusted for what you've already paid.

Estimate your 2026 US self-employment tax — Social Security and Medicare on your net profit — plus the deductible half you claim on Schedule 1.

Compare the IRS standard mileage rate against the actual expense method for your vehicle and find the bigger 2026 US tax deduction.

Estimate your 2026 Section 199A qualified business income deduction — the lesser of 20% of QBI or 20% of taxable income, with a simplified SSTB cutoff.

Find the IRS safe-harbor estimated-tax target that keeps you penalty-free — the smaller of 90% of this year's tax or 100-110% of last year's.

Estimate how much self-employment tax an S-corp election could save you by paying a reasonable salary, net of the extra payroll and accounting cost.

Figure out what percent of every freelance dollar to set aside for taxes — combining self-employment tax with your income-tax rate — per invoice.

Add or remove US sales tax from any price using your combined state, county, and city rate, then see the exact tax and total or pre-tax amount.

Add or remove UK VAT at the standard (20%), reduced (5%), or zero rate, and see the exact VAT amount, net price, and VAT-inclusive total.

Add or remove Canadian sales tax by province -- GST, HST, or GST+PST/QST -- and see the exact tax amount, total, and pre-tax price.

Add or remove Australia's 10% GST from any price. See the GST-inclusive total, the GST amount, and the price excluding GST, verified against the ATO.

Estimate your IRS underpayment penalty for short or late estimated tax payments — a simplified annual version of the real per-quarter Form 2210 math.

Estimate your above-the-line Form 7206 health insurance deduction — capped at net self-employment earnings after SE tax and retirement contributions.

Estimate what a YouTube channel could earn from ad revenue alone, based on monthly views and the typical RPM range for your content niche.

Estimate what a TikTok account could earn from the Creator Rewards Program, based on monthly views and the share of those views that qualify for a payout.

Estimate a Twitch streamer's monthly revenue from Tier 1 subscriptions, Bits, and ads, based on subscriber count, revenue split, and ad RPM.

Calculate your Instagram engagement rate from your follower count and average likes and comments per post, then see an estimated sponsored-post rate built from that same engagement data.

Get a negotiating anchor for a sponsored post based on your follower count, engagement rate, and platform — a starting point, not a market price.

Estimate a blog's monthly income from display ads, affiliate commissions, and sponsored posts, based on pageviews, ad network, and traffic tier.

Estimate monthly and yearly affiliate commission from your traffic, click-through rate, conversion rate, average order value, commission rate, and refund rate.

Convert impressions, clicks, and spend into CPM, CPC, and CTR in one pass, so you can compare ad or sponsorship performance on an apples-to-apples basis.

Estimate what an online course launch will actually net you after opt-in rate, conversion rate, platform fees, processing, and refunds are subtracted.

Price a UGC video by combining your base rate, a usage-rights uplift for paid ad use, a raw footage fee, extra hook variations, and a rush fee into one quote.

Estimate your real monthly Patreon payout after the plan fee and payment processing, plus how many patrons you need at your average pledge to hit a goal.

Estimate a paid newsletter's net annual revenue from subscriber count, conversion rate, price, and platform + processing fees on Substack or beehiiv.

Estimate a podcast's monthly ad revenue from downloads per episode, your CPM, ad slots per episode, and how many episodes you publish a month.

See what you actually keep from an Etsy sale after the listing fee, transaction fee, and payment processing — enter your price and costs for net profit.

Calculate real per-item profit and margin for print-on-demand products after production cost, shipping, and marketplace fees like Etsy or Shopify.

Estimate how much your email list is worth per send and per year, from your subscriber count, open rate, click rate, conversion rate, and average order value.

Estimate a Kick streamer's monthly revenue from the platform's 95/5 split plus donations, compared to the same count on Twitch's 50/50 split.

Turn a course price and expected student count into real take-home revenue after platform fees and refunds eat into the list price.

Turn subscribers, price, and churn into monthly and annual recurring revenue — see exactly how much MRR churn eats before it hits your ARR.

Estimate your monthly Skillshare royalty from minutes watched, your per-minute rate, and referral bonuses to project real teacher earnings.

Estimate your real Udemy instructor payout from course price and monthly sales — factoring in the 97% coupon-sale share vs. the 37% marketplace share.

Find out how many months it takes to pay off a balance, and how much interest you'll pay along the way, based on your APR and monthly payment.

Find out how big your emergency fund should be, how many months of runway your current savings already cover, and how much to save each month to close the gap.

Estimate the home price a self-employed borrower can qualify for, based on a two-year income average, monthly debts, and target debt-to-income ratio.

Compare 2026 max contribution limits for a Solo 401(k) versus a SEP-IRA on your net self-employment income, including the age-50-and-over catch-up.

Find out how many months your savings last if your freelance income drops to zero — plus a conservative 80% runway and your true monthly burn rate.

See the real cost of taking time off as a freelancer — lost billings plus fixed costs that keep running — and how much to save monthly to cover it.

Find out how many months it takes for a growing side hustle to replace your salary, based on your current income, target income, and realistic monthly growth rate.

Work out the late fee and total amount due on an overdue invoice — based on the invoice amount, your monthly interest rate, and how many days late payment is.

Work out how much deposit to collect upfront and split the rest into equal milestone payments, based on your project total and deposit percentage.

Work out what to bill when a client cancels mid-project — combines the value of work already completed with a cancellation charge on the unfinished remainder.

Compare Stripe, PayPal, and Square fees on a payment, see what you actually net, and find out what to charge to net a specific amount.

See what Upwork, Fiverr, Freelancer.com, or Toptal actually keeps from a project — enter the amount and get your real net earnings and take-rate percent.

Find out what offering net-15, net-30, or net-60 terms actually costs you in financing — based on invoice size, payment terms, and your cost of capital.

Turn an early payment discount like 2/10 net 30 into an effective annual rate, so you can see whether offering it is actually worth the cash-flow speed.

Calculate the final price and amount saved when you discount a client quote, plus what that discount does to your profit and margin against your own cost floor.

Calculate the final invoice total from a subtotal, an optional percentage discount, and sales tax or VAT — see the discount, tax, and total broken out.

Add hours and minutes for as many timesheet rows as you need and turn a timesheet into an invoice amount at your hourly rate.

Enter your subcontractor cost and markup percent to see the client price, your profit, and your margin — priced to cover PM time and risk.

Allocate your monthly freelance income into profit, owner pay, tax, and operating expense buckets using the Profit First allocation method.

Compare what Wise, PayPal, and Payoneer actually take when a foreign client pays your invoice, and see what lands in your account after fees and FX.

Find the fully loaded annual cost of a US employee — salary plus payroll tax, benefits, overhead, and recruiting — then see the contractor rate it takes to match it and which option is actually cheaper.

Find your break-even and target return on ad spend from your gross margin and profit goal, plus the maximum you can afford to pay per acquisition.

Enter your cost and selling price to see profit, markup percent, and gross margin percent side by side — and stop confusing the two when you set prices.

Find how many units you need to sell to cover fixed costs, plus the revenue that represents — from your price and variable cost per unit.

Set a price from your unit cost and a target profit margin — not a markup — so you charge enough to actually hit that margin.

Enter revenue, cost of goods sold, and operating expenses to get gross margin and net margin side by side — what you keep, not just what you bill.

Turn your win rate and average project value into a proposal target — see exactly how many proposals to send to hit a revenue goal.

Find out what share of your revenue rides on one client, get a Healthy/Caution/High-risk read, and see the dollar ceiling that keeps you diversified.

See whether a coworking membership or your home office is cheaper for the year, once the home-office tax deduction is factored into the comparison.