Calculadora de Tarifas e Ingreso Neto
Calculate what you must charge per billable hour to cover self-employment taxes (15.3%), health insurance, software overhead, and unpaid business administration.
1. Your Financial Targets & Expenses
The clean take-home money you need to pay for personal rent, food, and family life.
Computer hardware, software subscriptions (Adobe, Zoom, Google Workspace), home internet, and bookkeeping.
Private ACA health insurance premiums and personal retirement contributions.
2. Billable Hours Reality Check
Note: Solo freelancers spend 15 to 20 hours each week on non-billable tasks (proposals, emails, accounting). 20-22 hours is realistic.
Freelancers do not receive paid vacation or sick days. Plan for unpaid downtime.
Your Minimum Viable Rate
If you charge less than this rate, you will either work unsustainable 60-hour weeks or fall short of your net income goal.
💡 Why Freelance Rates Seem High
A $25/hour W-2 employee costs their employer roughly $35/hour when factoring in payroll taxes, health insurance, paid leave, and software licenses. As a freelancer, you absorb all of these costs yourself.