Twenty quick tools for everyday money math — no sign-up, figures shown as you type.
Work backward from what you want to take home to what you need to charge.
Not every work hour is billable — admin, marketing, invoicing, and finding clients all eat into the week without generating revenue. If only 70% of your hours are billable, your rate needs to cover the other 30% too. The "taxes and overhead" percentage is a single rough estimate covering self-employment tax, income tax, and business costs — adjust it to fit your situation.