What This Rate Covers
The calculator combines your monthly owner draw, operating costs, and savings target, then divides that need by the hours you can realistically bill.
Freelance Hourly Rate Calculator
Estimate the minimum hourly rate your freelance business needs to cover owner draw, business costs, savings, and available billable hours.
Minimum viable rate
EUR 42/h
Based on EUR 4,200 monthly need over 100 billable hours.
Why It Is A Floor
It does not include every tax, risk, unpaid admin hour, or bad-debt scenario. Treat it as a minimum, then use the full planner to model cashflow and runway.
Upgrade Path
Freelancer Profit Planner adds a 12-month cashflow dashboard, pipeline weighting, invoice tracking, tax reserve estimate, CSV export, and JSON backup.