chargewhat.app

What it does

Calculate the minimum hourly rate you need as a freelancer. Accounts for self-employment tax (15.3%), your US state income tax, billable hours, health insurance, and a profit buffer. Free, no signup.

Calculate the minimum hourly rate you need as a US freelancer. Accounts for self-employment tax (15.3%), your state income tax, billable hours, health insurance, and a profit buffer. Free, no signup.

ChargeWhat is a free rate calculator built for US and UK freelancers — it works backwards from what you actually need to take home. Most calculators tell you what you’d earn at a given rate. This one tells you the minimum rate you need after self-employment tax, state income tax, health insurance, and expenses. ChargeWhat calculates the minimum hourly rate a US or UK freelancer needs to charge to hit a target take-home income. It accounts for self-employment tax (15.3%), federal and state income tax, health insurance, and business expenses, working backwards from what you actually need rather than forwards from a guess. Estimates use 2026 federal tax law (IRS Rev. Proc. 2025-32) for your…from chargewhat.app

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