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Freelancer Hourly Rate Calculator
Detailed overhead-loaded freelancer rate (health, retirement, taxes).
Enter values to see your result
Frequently asked questions
Why so much higher than employee hourly?
Employees get ~40% in benefits (health, PF, paid leave, bonus). Freelancers pay all that from their rate. Plus profit buffer for slow months.
Can I start lower to get clients?
Risky — under-charging anchors you and attracts clients who don't value quality. Better: tight portfolio + fewer but higher-paying clients.
What utilization % is realistic?
Established freelancers hit 60–70% utilization (billable / total work hours). New freelancers: 30–50%. Plan rate based on realistic utilisation, not 100%.