E-Commerce & Creator Suite

Freelance Hourly Rate & Pricing Engine

Calculate your Minimum Viable Hourly Rate (MVHR) and project billing rate based on desired net income, taxes, health insurance, and billable utilization hours.

Target Income & Expenses

Target Annual Net Take-Home Income ($)

Annual Overhead & Software ($)

Health Insurance & Benefits ($)

Self-Employment & Income Tax Rate25%

Combined federal, state, and local income tax and self-employment deductions.

Vacation / Sick Weeks4 wks

Hours per Week40 hrs

Billable Utilization Ratio (% of time on client work)65%

Remaining 35% spent on admin, marketing, invoicing, and proposal writing.

Minimum Viable Hourly Rate (MVHR)

$110.58 / hr

The floor rate required to meet your expenses, taxes, and net income target.

Recommended Target Rate

$138.22/hr

Includes 25% profit margin

Target Day Rate

$1106/day

Based on 8h day

Annual Financial Blueprint

Billable Hours per Year:1248 hrs

Required Gross Revenue:$138,000

Estimated Taxes (25%):$30,000

Overhead & Healthcare Costs:$18,000

Net Annual Take-Home:$90,000

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