Freelance Take-Home Calculator

Free freelance take-home estimator: find the billable rate you need to reach a target net income, or estimate net income from a rate, after a tax set-aside.

Start Free Set a rate before tax

Country:Currency:Target net income (yearly):Tax and social set-aside (%):Annual business costs:Billable share (%):Hours per week:Weeks off per year:

Required billable hourly rate$74.93

Equivalent day rate$599.42

Gross revenue needed$96,507.04

Tax to set aside$24,507.04

Estimate only, not tax advice. The set-aside is a single percentage for tax and social contributions - it does not model brackets, VAT, or deductions, which vary by income, region, and circumstances. Confirm with an accountant.

Set a rate before tax Compare contractor and employee Gross vs net pay

Rate, costs, tax, and take-home

A freelance rate has to cover more than your target income. Business costs come off the top, and tax and social contributions come out of the profit, so the rate you bill is well above the money you keep. This tool works in both directions: the rate needed for a target take-home, or the take-home implied by a rate.

The set-aside percentage is pre-filled with a rough average for the country you pick (2026) and is yours to change. It is a planning estimate, not a tax return.

See how Sandtime.io reports hours Browse all free tools

Freelance take-home by country

Canada France Germany Poland United Kingdom United States

Track the billable hours behind the rate

Sandtime.io records billable and non-billable time as you work, so your real billable share and rate rest on data, not a guess. Free for unlimited users, without surveillance.