Our Mission
Freelancing is a business, not just a gig. Yet most independent professionals set their rates based on gut feelings, competitor pricing, or a quick Google search — without accounting for self-employment taxes (typically 25–35% of gross income), utilisation gaps (25–35% of working time is non-billable), or business overhead that quietly erodes take-home pay.
Our mission is to make freelance financial planning as simple as entering your income goal and pressing Calculate. Every tool on this site is free, requires no account, and processes all your data locally in your browser — your numbers never leave your device.
What We Cover
- Rate Setting: The Hourly Rate Calculator uses a verified formula — net income goal + expenses + tax adjustment ÷ true billable hours — to give you a data-backed rate floor.
- Tax Navigation: The Serbian Tax Calculator and Russian NPD Calculator are based on 2026 official government tax rates, not generic estimates.
- Platform Fees: The Platform Fee Calculator uses documented fee structures from Upwork, Fiverr, Payoneer, and Stripe — updated for 2026.
- Business Intelligence: Tools like Client Profitability, Project Profitability, and Client LTV help you make data-driven decisions about which work is worth taking.
- Safety Planning: The Runway Simulator helps you know exactly how many months your savings will last so you can freelance without financial anxiety.
Our Calculation Methodology
Every formula used across FreelancerCalculator.com is documented, transparent, and based on verifiable sources:
- Tax rates are sourced from official government publications (IRS, HMRC, Serbian Tax Administration, Russian Federal Tax Service)
- Platform fee percentages are verified against each platform’s official Help Centre documentation
- Calculations are reviewed and updated at least quarterly
- All tools include a disclaimer noting they are estimation tools — professional tax advice should be obtained for official filings
For a full breakdown of our methodology, see the Calculation Methodology page.
Privacy First
Unlike most financial tools, we do not require account creation. All parameters you enter into our calculators — income figures, rates, tax scenarios — are processed entirely within your browser using client-side JavaScript. Nothing is sent to our servers. Nothing is stored. Your financial data is yours alone.