Hourly Rate Calculator
Turn a target annual income into a billable hourly rate in USD — with room for unpaid time.
Example: ~25 billable hrs/week × 48 weeks ≈ 1,200
1.0 = none · 1.3 ≈ +30% for taxes, tools, downtime
Formula
baseRate = targetAnnual ÷ billableHours
rate = baseRate × bufferMultiplier
FAQ
Why not divide by 2,080 hours?
Freelancers rarely bill 40×52. Marketing, admin, and downtime shrink billable time.
Is this financial or tax advice?
No. It is a planning helper. Talk to a qualified advisor for taxes.
Need weekly/monthly from an hourly rate?
Use the Hourly → Weekly / Monthly tool.
What buffer should I use?
Many freelancers plan with 1.2–1.5× to cover unpaid admin, marketing, and benefits. Adjust to your situation.
After I have a rate, what about taxes?
Project profit with Hourly → Weekly / Monthly, then use the SE tax estimate (not tax advice).