Calculators built for the independent workforce — pricing your time, protecting your income, and understanding exactly where your money goes after taxes.
16 tools tagged “freelance”
What should you actually charge per hour? Account for taxes, health insurance, retirement, and the hours you can't bill — get the real number.
Formula
Rate = (Income + Expenses) ÷ Billable Hours
Choose the right pricing model for your next project. Compare fixed price, hourly, retainer, value-based, and milestone billing — with risk-adjusted quotes, revision buffers, and a model recommendation based on your project details.
Calculate your Net Promoter Score from client survey results. See your NPS vs the B2B services benchmark (41), simulate converting a detractor, get action recommendations, and learn how to run an NPS survey as a solo contractor.
Quantify the hidden cost of scope creep on your freelance projects. See your original vs actual effective rate, revenue lost to unscoped hours, revision cost, and what to quote next time.
Decision framework for contractors choosing between raising rates or bringing on subcontractors. Compare revenue per hour of your time for each path, sub margin analysis, capacity utilization, and a data-driven recommendation.
Run a personal CFO review on your contracting year. Score profit margin, collection rate, tax efficiency, retirement savings rate, and net worth growth on a 0-100 scale with prioritized goals for next year.
Project W2 salary vs contractor net earnings over 5, 10, or 20 years. See the crossover year where cumulative contractor income surpasses employment, with a live SVG earnings trajectory chart.
Calculate your working capital ratio, days of runway, and asset/liability breakdown as a freelancer or contractor. Get prioritized recommendations to improve liquidity before a cash crunch hits.
Model your next 3 months of cash flow as a freelancer or contractor. Separate invoices sent from collections received, flag negative cash months, calculate runway, and see what reserve balance you need to cover 3–6 months of expenses.
See if a freelance project is worth taking before you sign. Calculates gross profit, after-tax net margin, true hourly rate including unpaid revisions, overhead allocation, and the minimum fee needed to break even.
Calculate your quarterly IRS payments with QBI deduction (Section 199A), safe harbor, and all 4 due dates. Adds the 20% pass-through deduction that most freelancers forget to claim.
Before you buy equipment, hire a subcontractor, or rent an office — know your break-even point. Enter fixed costs, variable cost per unit/hour, and your price to get break-even units, revenue, contribution margin, and profit at your current revenue level.
See your full profit waterfall — gross, operating, and net margin — with a freelance/small-business rating and sensitivity analysis. Know if you're struggling, viable, healthy, or strong before your next client negotiation.
How much is a single client really worth? Enter monthly revenue, margin, retention, and acquisition cost — get gross LTV, net LTV after CAC, LTV:CAC ratio, payback period, and how retention changes every number.
Stop guessing your rate. Work backwards from desired take-home to find your walk-away floor, target ask, and W-2 salary equivalent. Includes a ready-to-use negotiation script and rate schedule for hourly, daily, weekly, and monthly contracts.
Enter an invoice date and payment terms (Net 15/30/45/60) to get the exact due date, follow-up reminder date, and overdue status. Includes .ics calendar export with a 3-day reminder.
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