"What should I charge?" — work out the day rate and hourly rate you actually need, once holidays, sick days, and non-billable time are accounted for.
Most freelancers under-price themselves by forgetting that not every working day is billable — time spent on admin, invoicing, finding new clients, and running the business all eat into the days you can actually charge for.
This calculator starts from your target income, subtracts weeks off to get your working weeks, converts that into working days, then reduces further by your non-billable time percentage to get realistic billable days. Your target income divided by billable days gives the day rate you need to charge to hit your goal.
This is a planning tool, not financial advice — it doesn't account for your specific tax situation, business expenses, or what clients in your field typically pay. Use it as a starting point, not a final answer.
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