Complete toolkit for freelancers and consultants to price services, manage taxes, and grow sustainably. Calculate fair hourly rates, price retainers for recurring revenue, handle scope creep professionally, and understand the true cost of late payments. Build a profitable freelance business, not just a job.
Calculate the minimum billable rate that covers costs, taxes, and profit for freelancers.
Estimate self-employment, federal, and state taxes for freelancers and independent contractors.
Calculate optimal monthly retainer pricing that covers buffer time, overhead, and profit margins.
Calculate the financial impact of additional work requests and scope changes on freelance projects.
Calculate the cost of late invoice payments including financing costs, opportunity loss, and potential late fees.
Calculate competitive proposal pricing that wins clients while maintaining healthy profit margins.
Recommend a monthly retainer from deliverables, time assumptions, overhead, and target margin—plus capacity guidance.
Calculate hourly rates that cover expenses plus profit
Price retainers for predictable monthly income
Understand the true cost of scope creep
Estimate quarterly tax payments accurately
Price proposals competitively while protecting margins
Quantify the impact of late client payments
Start with your target annual income, add taxes (25-30%), business expenses, and benefits you need to self-fund. Divide by realistic billable hours (usually 1,000-1,400/year). Most freelancers underprice by 30-50%.
Retainers should offer 10-20% discount vs hourly for guaranteed hours, but ensure minimums cover your opportunity cost. Our calculator helps you find the right balance.
Document the original scope, quantify the additional work, and present the cost. Our scope creep calculator helps you calculate and communicate the impact professionally.
Target 65-80% billable utilization. Below 60% you're overstaffed; above 85% you risk burnout and no time for business development. Our calculator shows your current rate and revenue ceiling.
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