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Bill Rate Calculator

Figure out the hourly rate you need to bill clients to reach your target income after overhead, taxes, and unbillable hours.

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Finding your ideal bill rate

Freelancers and consultants need to charge enough per billable hour to cover their target take-home income, business overhead, and taxes — especially since not every work hour is billable to a client.

How it works

The calculator grosses up your target take-home income to account for taxes, adds your annual overhead, and divides that total by your expected billable hours per year (billable hours per week times working weeks per year) to find the hourly rate you need to charge.

This tool is for general planning purposes. It doesn’t account for self-employment tax nuances, business structure, or local tax rules — consult a tax professional for your specific situation.

Last reviewed August 2026