The money side of freelancing,
finally calculated properly.
What to charge. What to save for tax. Whether that contract beats the salary. Six free calculators built for freelancers and contractors — no signup, no spreadsheet gymnastics, no data collection.
Find your rate →What should I charge?
The hourly rate calculator that accounts for unbillable hours, overhead and time off — the three things that sink new freelancers.
Big decisionsContract offer vs salary?
1099 vs W-2, properly: self-employment tax, health insurance, retirement match and PTO in one honest comparison.
Stay safeHow much tax should I save?
Country-specific set-aside percentages for the US, UK, Canada and Australia — based on your numbers, not a guess.
Reality checkWhat’s a day rate worth?
Convert contract day rates to real salary equivalents — and see why £600/day isn’t £156k.
Get paidFree invoice generator
A clean, professional invoice in two minutes. No signup, no watermark, and your data never leaves your browser.
Get paidClient paying late?
Calculate the statutory interest and compensation that overdue invoice is accruing right now.
Why these calculators exist
Most freelancers set their rate by guessing, save for tax by vibes, and evaluate contract offers by dividing a salary by 2,080. Each of those shortcuts quietly costs thousands a year. The maths behind the right answers isn’t hard — it’s just tedious enough that almost nobody does it by hand.
FreelanceCalc does the tedious part. Every tool states its formula and its assumptions in plain language, cites official sources for tax figures, and runs entirely in your browser — we never see your income, your clients, or your rates. Start with your rate, then make sure the tax account gets its share, and if a client is sitting on your invoice, check what that delay is legally worth.
New to pricing yourself? The guides section covers the thinking behind the numbers — starting with how to set your freelance rate.