Skip to main content
/
overheadfreelancebusiness costsrate floorsoftwareequipmentexpenses
//// Business · Freelance Finance

Freelance Overhead Calculator

Most freelancers don't know their overhead rate — which means they're pricing it wrong. Enter your software, equipment, and professional costs to see exactly what your business costs per billable hour and your true rate floor.

Corp Tax Rate21%
SE Threshold$400
FICA Cap 2024$168,600

Software & Equipment

Figma, Adobe CC, Notion, Slack, etc.

$/yr

Laptop + monitor + peripherals

$
yrs
Equipment Amortization

Calculated automatically

$1,000/yr

Professional Costs

Courses, books, conferences

$/yr

Bookkeeping + tax prep

$/yr

Contracts, LLC fees, attorney

$/yr

Operations

Website hosting, ads, portfolio

$/yr
$/yr
$/yr
$/yr
$/yr

Your Goals

$

Hours you actually bill clients, not total work hours

hrs/yr

Federal + state + self-employment combined

%
Total Annual Overhead
$7,620
$635/mo
Monthly Overhead
$635
Before paying yourself
Overhead / Billable Hour
$6/hr
6.3% of total revenue
Rate Floor
$102/hr
Minimum to cover all costs

Overhead Breakdown

Software
$1,800 · 24%
Equipment (amort.)
$1,000 · 13%
Prof. Development
$1,200 · 16%
Prof. Services
$2,000 · 26%
Marketing
$600 · 8%
Operations
$1,020 · 13%
Total$7,620/yr

Rate Floor Breakdown

Your rate must cover three things every billable hour:

Overhead costbusiness running costs
+$6/hr
Your salary$80,000/yr ÷ 1200 hrs
+$67/hr
Taxes30% effective rate
+$29/hr
Rate Floor$102/hr minimum