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RateArchitect
Freelancer Pricing Intelligence
DEMO · 48 wks/yr
✦  Your True Minimum Viable Rate
$169.34/hr
This is the floor — the exact rate you must charge to net $95,000 after taxes, overhead, and self-funded benefits. Anything below this and you're subsidizing your clients.
Billable Hours / Year
1,184 hrs
Total Tax Burden
40.6%
Annual Gross Needed
$200,495
Minimum Viable Rate
$169.34/hr
Net target, zero buffer
Recommended Rate
$233.69/hr
Scope buffer + 20% growth
Premium Rate
$327.16/hr
Specialist / high-demand positioning
Monthly at Rec. Rate
$23,057
Gross revenue / month
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Revenue Breakdown & Hours Analysis
Where every dollar goes · how your hours are actually spent
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The Undercharging Trap — What $75/hr Really Gets You
True net take-home · effective hourly after all deductions
Demo Mode — Revenue Breakdown, Tax Analysis & Rate Scenarios Locked

All rates and projections are estimates based on inputs provided and do not guarantee actual earnings.
Tax calculations are simplified models — consult a CPA for accurate tax planning.
This tool does not constitute financial, legal, or tax advice.

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