Smart calculators for independent professionals
Find out what hourly rate gets you to $100K+ take-home as a freelancer.
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Earning six figures as a freelancer is absolutely achievable — but it requires intentional pricing, not just more hours. This calculator shows you the exact hourly rate needed to hit a $100K take-home target after taxes, expenses, and a healthy profit margin. The results might surprise you: it's usually less about working more and more about charging enough.
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It depends on your expenses, tax rate, and billable hours. With 30 billable hours per week, 48 working weeks, 30% taxes, and $6K in expenses, you'd need approximately $105–$115/hour. This calculator gives you the exact number for your situation.
Yes. According to freelancing surveys, 20–30% of US full-time freelancers earn over $100K. The keys are: specializing in a high-value skill, raising rates consistently, and maintaining a strong referral pipeline. Most six-figure freelancers have 3–5 years of experience.
Raise your rate. Working 50+ hours per week is unsustainable and leads to burnout. Going from $75/hr to $100/hr at 30 hours per week is a $36K annual raise without any extra work. Focus on delivering more value, not more hours.
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Disclaimer
This calculator provides estimates for planning purposes only. Your actual tax obligations and expenses depend on your jurisdiction, deductions, and individual circumstances. Consult a tax professional for personalized advice.