Business & Freelancing Calculators
The two most important numbers in a small business are usually guessed on day one: the price you charge and the volume you need. These calculators replace the guesswork. One finds the minimum rate a freelancer must charge to hit an income target. The other finds the sales volume where a business stops losing money.
All business & freelancing calculators
Pricing from costs up, then from value down
Cost-based math sets your floor. The freelance rate calculator counts the hours clients actually pay for (typically 20–30 a week, not 40) and the costs employees never see. The break-even calculator counts how many sales it takes to cover fixed costs. Below these floors, more work just means losing money faster.
Floors are not prices. Markets pay for value, so once you know your floor, price against what the outcome is worth to the customer. Specialists with proven results routinely charge multiples of the cost-based minimum. The floor's real job is negotiating power: knowing the number below which the answer is "no."
Frequently asked questions
How much should I charge as a freelancer?
At minimum: (target income + business costs) × a safety buffer, divided by realistic billable hours. The freelance rate calculator computes it from your numbers. That is the floor. Set your market rate above it, based on the value of your results.
What is a break-even point?
The sales volume where revenue exactly covers all costs: fixed costs divided by the contribution margin per unit (price minus variable cost). Below it every period loses money. Above it, each sale's full margin is profit.
Do these calculators include taxes?
They work in pre-tax terms, like salaries and business revenue. Self-employed workers should treat the income target as gross and set aside roughly 25–35% of revenue for income and self-employment taxes, depending on jurisdiction.
Last updated . Formulas are shown on the page and checked against the worked example.