ChargeWhat.app
The freelance rate calculator that accounts for SE tax
@Morvalion
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About ChargeWhat.app
Freelance Hourly Rate Calculator determines the minimum billable rate required to cover costs and reach income goals. It automatically accounts for the 15.3% self-employment tax, specific US state income taxes for all 50 states, health insurance premiums, and operating expenses. By inputting your desired annual take-home pay and estimated billable hours, the tool provides a baseline profit buffer without requiring a signup.
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This is simply fantastic. Clear, informative, helpful doesn’t come close.
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SE tax is 15.3% on top of income tax — and most rate calculators ignore it. ChargeWhat.app works backwards from your take-home to give you the real minimum rate. Free, no signup.