Income-target planning works backward from take-home and reserves so the required revenue and hourly value are visible together.

Required revenue: $12,666.67
Reserve amount: $3,166.67
Required billable rate: $140.74

Income target
$8,000.00
Business costs
$1,500.00
Tax reserve %
25.0%
Billable hours
90

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Rates

Billable Rate Calculator

Use this when you know the income you want to keep and need the billable rate that actually supports it.

This calculator works backward from take-home, costs, and reserve planning so freelancers can price their hours with fewer blind spots.

How to use this page

Start with your best current estimate, adjust the inputs until the result feels realistic, and use the related tools below when you want to pressure-test price, profit, or payout from another angle.

Estimate required revenue and billable rate from a take-home target, costs, reserve, and billable hours.

Use the calculator with the examples below to test ideas quickly and come back to the same setup later.

Worked examples

Start from a realistic scenario

Each example opens the same calculator with shareable URL state.

Required rate for one month

A take-home goal translated into the revenue and hourly rate needed to reach it.

$12,666.67required revenue

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FAQ

Quick answers

Short answers for the questions that usually come up first.

When should I use the billable rate calculator?

This calculator works backward from take-home, costs, and reserve planning so freelancers can price their hours with fewer blind spots.

Is this meant for exact accounting, tax filing, or bookkeeping?

No. It is a planning calculator built around your inputs so you can sanity-check pricing, profit, or cash decisions quickly.