Freelance Take-Home Pay Calculator
The gap between your rate and your bank balance is wider than most freelancers realise. Here is what you actually keep.
Rate is not income
Charging $100 an hour does not mean a six-figure income. After realistic utilisation, expenses and tax, the take-home is often half of the gross. Knowing the real figure is what lets you set a rate that genuinely supports your life.
Frequently asked questions
Why is my take-home so much lower than my rate?
Because not every hour is billable, expenses come off the top, and tax takes a meaningful share of the profit that remains. The headline rate and the money you keep are very different numbers.
Does this replace tax advice?
No. It is a directional estimate to help you plan. For exact figures, use accounting software or a professional.