Enter what you want to earn, what it costs to run your business, and how much you actually bill. Get the hourly rate you need to charge. No signup, no catch.
What you want to pay yourself in a year, after expenses and tax.
Software, gear, insurance, subscriptions — your yearly running costs.
What you hold back from each invoice for tax.
Hours you can actually bill — not total hours worked. Often 20–30.
Vacation, holidays, and sick time combined.
Your recommended minimum rate
Based on 1,150 billable hours a year (25 hrs/week × 46 weeks).
What your rate needs to cover, per year
This is your floor, not your ceiling. It is the least you can charge and still hit your income after costs and tax. Strong work and clear value justify going higher.
If you set aside part of every invoice for tax, you keep the rest, and what you keep has to cover both your take-home pay and your business costs. We add your target income and expenses, gross that up for the tax you hold back, then divide by the hours you can actually bill in a year. The trap most freelancers fall into is billing hours: you do not bill all 40, so admin, marketing, and downtime mean 20 to 30 billable hours a week is normal. Charging as if every hour is billable is how people undercharge without realizing.
FileCurrent lets you log your billable hours and drop them straight into a professional invoice, then chases late payers automatically so you actually collect what you are worth.
$15/month or $129/year. No credit card required.