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Price your freelance work with confidence.
Simple, honest calculators for freelancers and the self-employed. Figure out what to charge, plan for taxes, and stop leaving money on the table — in seconds.
Open the Rate Calculator →Tools
- Freelance Rate Calculator Find the hourly rate you need to charge to hit your income goal — after taxes, expenses, and unpaid time.
- Self-Employment Tax Calculator Estimate your 1099 taxes and quarterly payments for 2026 — and how much of each invoice to set aside.
- Invoice Late Fee Calculator Work out the late fee and new total due on an overdue invoice, plus how much accrues each day.
- Hourly ↔ Salary Calculator Convert an hourly rate to yearly, monthly, and weekly income — or find the rate to match a salary.
- Project Quote Calculator Turn an hours estimate into a fixed-fee quote with a scope buffer, expenses, and a deposit.
- Effective Hourly Rate Calculator See what you really earn per hour once you count the unpaid admin, revisions, and comms.
- Contract vs Salary Calculator Compare a 1099 contract rate to a W-2 salary offer, apples to apples — and find the break-even rate.
- Solo 401(k) Calculator Find your max 2026 solo 401(k) contribution from your net profit — employee + employer share.
- Quarterly Tax Calculator What to pay the IRS each quarter in 2026, with the due dates — and how to catch up if behind.
- FIRE Calculator Your FIRE number and how many years to financial independence at your savings rate.
- Coast FIRE Calculator Whether your current investments will coast to full retirement with no more contributions.
Guides
- How Much Should a Freelancer Set Aside for Taxes? The real percentage to save from every payment — and how to hit your quarterly deadlines.
- How to Set Your Freelance Rate (Without Underpricing) A step-by-step way to price your work so you actually hit your income goal.
- 1099 vs W-2: Which Actually Pays More? What a contract rate has to beat to match a salary — taxes, benefits, and all.
- Freelancer Tax Deductions: The Complete Checklist Every write-off self-employed people miss — and how much they can save you.
- What Is Self-Employment Tax? (And How to Calculate It) The 15.3% every freelancer owes, why it exists, and how to lower it.
- Estimated Quarterly Taxes for Freelancers, Explained Who has to pay, the 2026 deadlines, and how to avoid the underpayment penalty.
- How to Pay Yourself as a Freelancer Owner’s draw vs salary, how to split business and personal money, and what to hold back.
- Solo 401(k) vs SEP IRA: Which Is Better? Which retirement account lets a self-employed person shelter more — and when each one wins.
- How to Write a Freelance Invoice (+ What to Include) Every line a professional invoice needs, how to set payment terms, and how to get paid on time.
- Health Insurance Options for the Self-Employed The marketplace, the premium tax credit, HSAs, and the deduction that lowers what coverage really costs.
- The Freelancer’s First-Year Money Checklist The ten money moves to make in your first year on your own — in the order they actually matter.
Freelance rates by profession
Typical 2026 rates for your field — then calculate the exact number you need.
- Freelance Graphic Designer rates $40–$90/hr
- Freelance Web Developer rates $60–$150/hr
- Freelance Copywriter rates $40–$120/hr
- Freelance Writer rates $30–$100/hr
- Freelance Photographer rates $75–$250/hr
- Freelance Social Media Manager rates $30–$90/hr
- Freelance Virtual Assistant rates $20–$60/hr
- Freelance Bookkeeper rates $30–$80/hr
- Freelance Video Editor rates $40–$120/hr
- Freelance UX Designer rates $60–$150/hr
- Freelance Consultant rates $75–$300/hr
- Freelance Illustrator rates $40–$130/hr
- Freelance Translator rates $25–$80/hr
- Freelance Marketing Consultant rates $75–$200/hr
- Freelance Web Designer rates $50–$120/hr
Self-employment taxes by state
The 15.3% federal SE tax is the same everywhere — but your state income tax isn't. See how it works where you freelance.
- Self-employment tax in California up to ~13.3%
- Self-employment tax in Texas no state income tax
- Self-employment tax in Florida no state income tax
- Self-employment tax in New York up to ~10.9%
- Self-employment tax in Pennsylvania flat 3.07%
- Self-employment tax in Illinois flat 4.95%
- Self-employment tax in Ohio up to ~3.5%
- Self-employment tax in Georgia flat ~5.2%
- Self-employment tax in North Carolina flat ~4.25%
- Self-employment tax in Michigan flat 4.25%
- Self-employment tax in New Jersey up to 10.75%
- Self-employment tax in Virginia up to 5.75%
- Self-employment tax in Washington no income tax on wages
- Self-employment tax in Arizona flat 2.5%
- Self-employment tax in Massachusetts flat 5% (+4% over $1M)
- Self-employment tax in Tennessee no state income tax
- Self-employment tax in Indiana flat ~3.05%
- Self-employment tax in Colorado flat 4.4%
- Self-employment tax in Maryland up to 5.75% (+ local)
- Self-employment tax in Minnesota up to 9.85%
- Self-employment tax in Wisconsin up to 7.65%
- Self-employment tax in Oregon up to 9.9%
- Self-employment tax in Nevada no state income tax
- Self-employment tax in Missouri up to ~4.7%
Why freelancers under-charge
Most people set their rate by taking a salary they'd like and dividing by 2,080 hours. That quietly ignores three expensive realities of self-employment: you pay both halves of Social Security and Medicare tax, you cover your own business expenses and benefits, and a big chunk of your week is unpaid — admin, sales, invoicing, and time between clients. Our calculators build those in so your rate reflects what you actually need to earn.