Hourly Rate Calculator
Turn a target annual income into a billable hourly rate in USD — with room for unpaid time.
Example: ~25 billable hrs/week × 48 weeks ≈ 1,200
1.0 = none · 1.3 ≈ +30% for taxes, tools, downtime
Formula
baseRate = targetAnnual ÷ billableHours
rate = baseRate × bufferMultiplier
FAQ
Why not divide by 2,080 hours?
Freelancers rarely bill 40×52. Marketing, admin, illness, and holidays shrink billable time. Using realistic billable hours avoids underpricing.
Is this financial or tax advice?
No. It is a planning helper for US freelancers and indie builders. Talk to a qualified advisor for taxes and benefits.