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What is Hourly Rate?

The amount a freelancer charges per hour of work, calculated to cover expenses, taxes, and desired income.

What Is a Freelance Hourly Rate?

A freelance hourly rate is the amount you charge clients for each hour of billable work. Unlike an employee salary, your hourly rate must cover not just your income but also taxes, business expenses, unpaid vacation time, and a profit buffer.

How to Calculate Your Hourly Rate

The basic formula:

**Hourly Rate = (Annual Income Goal + Expenses) ÷ Annual Billable Hours**
  • Annual income goal: what you want to take home after taxes
  • Business expenses: software, equipment, insurance, professional development
  • Annual billable hours: total working hours minus vacation, sick days, and admin time
  • For example, if you want $70,000 take-home, have $10,000 in expenses, and can bill 1,200 hours per year, your minimum rate is $80,000 ÷ 1,200 = $67/hour.

    Common Mistakes

  • Forgetting taxes: as a self-employed person you pay self-employment tax (15.3% in the US) on top of income tax. Your rate must absorb this.
  • Overestimating billable hours: most freelancers can realistically bill 60-75% of their working time. The rest goes to admin, business development, and unpaid projects.
  • Ignoring profit: a business without profit has no buffer for slow months. Add 15-20% above break-even.
  • When to Raise Your Rate

    Review your rate at least annually. Raise it when: your skills have improved significantly, your demand exceeds your capacity, or your cost of living has increased.

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