Know your real rate.
A receipt-clean calculator that turns your target income into an hourly rate — after taxes, platform fees and time off. See exactly where every invoiced dollar goes.
Most freelancers pick a rate by vibes — then lose the difference.
You divide your salary goal by your hours and call it a rate. But tax, platform fees, expenses and unpaid time off all come out of that number first. Guess low and you work a year for free.
$80,000 ÷ 1,000 billable hours. Feels reasonable. It isn't.
Of every dollar you invoice, 46 cents leaves before you: tax, expenses, fees.
To keep $80,000 after all of it. Nearly double the guess.
Start from the income you want. Work backwards to the rate.
Enter your target take-home, your realistic billable hours, an expenses buffer and a tax preset. SoloRate divides by the fraction you actually keep and prints the rate you need — no algebra, no spreadsheet.
- Target take-home$80,000 / year
- Billable hours1,000 / year (after time off & admin)
- You keep54¢ of every invoiced dollar
A segmented breakdown of every invoiced dollar.
Watch the bar fill and see the till roll add up. This is one dollar you invoice, split into where it truly lands — the take-home slice is the only part that reaches you.
Country and US-state presets keep the estimate honest.
Pick where you file. SoloRate loads a simplified set-aside so your rate reflects self-employment tax where you actually live — clearly labeled as an estimate, never a filing.
SE tax 15.3% + income; state varies
Class 4 NICs + income bands
CPP self-contributions included
Marginal brackets + Medicare levy
Is my rate normal?
Your $148/hr, placed against the market for your discipline and experience. See where you land between the 25th percentile, the median and the 75th — so you can defend the number.
Upwork vs. direct — same rate, different take-home.
Put two scenarios side by side on the same $1,000 invoiced. The only line that changes is the platform fee — but the take-home delta compounds across a year.
Reserve tax from every quote, so the bill is never a surprise.
Each invoice accrues its share into a running reserve at your preset rate. Watch it climb toward your quarterly estimate — the money is already accounted for before it arrives.
Your income never leaves your phone.
Every calculation runs on-device. No account, no cloud, nothing uploaded — your numbers are some of the most sensitive you own, and they stay yours. SoloRate even works with airplane mode on.
The core calculator is free. Own the rest for the price of one invoice.
The rate calculator is free forever. Pro unlocks quotes, benchmarks, scenario compare and the tax tracker.
- ✓Full breakdown & quotes
- ✓Benchmarks & scenario compare
- ✓Tax set-aside tracker
- ✓All country & state presets
- ✓Full breakdown & quotes
- ✓Benchmarks & scenario compare
- ✓Tax set-aside tracker
- ✓All country & state presets
Free tier: the core rate calculator, no time limit.
SoloRate produces simplified estimates to help you set a rate and plan cash flow. Tax rules are complex and personal — brackets, deductions, credits and thresholds vary by situation. Every figure is labeled as an estimate. For anything you file, consult a qualified tax professional. SoloRate is not an accountant and does not give tax, legal or financial advice.
Questions, answered.
Is this tax advice?+
No. SoloRate gives simplified estimates to help you set a rate and plan. Figures are labeled as estimates — consult a tax professional for filing.
Does my financial data leave my phone?+
No. Every calculation runs on your device. Nothing is uploaded.
What's free?+
The core rate calculator is free. Pro unlocks quotes, benchmarks, scenario compare and the tax tracker.
Charge what the math says.
Stop guessing your rate. See where every dollar goes and quote with confidence — all on your device.