ChargeWhat.app builds free financial tools for freelancers and independent workers. Our first tool is a freelance rate calculator that works backwards from your target take-home pay to calculate the minimum hourly rate you need to charge — accounting for self-employment tax (15.3% on 92.35% of net profit), all 50 US state income tax rates, health insurance premiums, realistic billable hours, and a profit buffer for slow months.

Most rate calculators ignore self-employment tax entirely. Ours doesn't. The math is transparent, the results update instantly, and there's no signup required.