Freelance Rate Floor Calculator
Scenario arithmetic only—not tax, legal, accounting, business-viability, pricing, or market-rate advice. Set-asides and capacity factors are your assumptions; obtain qualified guidance where relevant.
Currency label
Desired annual take-home / income target
Tax set-aside % of collections
Benefits set-aside % of collections
Profit reserve % of collections
Contingency % of collections
Workweeks before leave / year
Hours / five-day workweek
Leave weeks
Holiday days (weekly hours ÷ 5)
Unpaid sales/admin hours / year
Nonbillable share % of remaining capacity
Billable utilization % after nonbillable share
Explicit annual billable hours (optional override)
Write-off/nonpayment % of invoices
Billing day length (hours)
Example project hours
Quote rounding increment
Scenario name
Annual overhead items
Add overhead
Calculate floor
Reset sample
Capture comparison
Save locally
Load local save
Delete local save
Import saved JSON (maximum 1 MiB)
Formula ledger
Sensitivity scenarios
Scenario
Utilization
Write-off
Billable hours
Hourly floor
Warnings / exclusions
Export JSON
Export CSV
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