Freelancer Finance Calculator

Know exactly how much you need to charge.

An Excel template that calculates your minimum rate, runway, and whether a project is profitable — taxes, depreciation, and loans included.

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$39.00 one-time · excl. VAT · no subscription
FREELANCER DASHBOARD
Snapshot of your finances — live-linked to every sheet
Gross revenue / month
$0
Required gross incl. taxes
Target hourly rate
$0.00
Gross rate incl. profit
Total expenses / month
$0
Personal + business combined
Total debt
$0
All balances combined
Rate scenarios
ScenarioRateSurplus
Break-even$128.35
⭐ Target (profit)$192.69+$5,970
Rate +20%$231.23+$9,547
★ 7 sheets, 92+ formulas
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⊕ No subscription ever
What's inside

7 sheets. One complete system.

01

Settings

Currency, tax regime, working capacity. Set once — everything recalculates automatically.

02

Personal expenses

Housing, transport, health, lifestyle, insurance, savings. What you actually need to take home.

03

Debts & loans

Personal and business debts, interest rates, estimated payoff dates.

04

Business expenses

Software, marketing, accountant, taxes — including depreciation and loan payments.

05

Depreciation

Laptop, tablet, phone. How much to set aside monthly so replacement never blindsides you.

06

Results & Runway

Minimum rate, target rate, scenario simulator, and Next Worry Date.

07

Project profitability

Standalone sheet per project. Price + hours in — margin, effective rate, go/no-go out.

Ready to stop guessing your rate?

Get instant access for a one-time $39.00 — no subscription, ever.

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Who it's for

If any of these sound familiar, this is for you.

You set your rate by looking at what others charge

You finish a project and barely break even

You don't know how long you can survive without a new client

You forget your laptop will need replacing eventually

You underestimate non-billable hours every single month

You have loans but don't factor them into your pricing

What people say

Built by a freelancer,
for freelancers.

★★★★★

Finally understand what I need to charge. Set it up in an afternoon and immediately saw I was undercharging by 30%.

— Marcus T., Brand Designer
★★★★★

The Next Worry Date feature alone is worth it. Changed how I think about my pipeline completely.

— Sarah K., UX Freelancer
★★★★★

Simple enough that I actually use it every month. The project profitability sheet saved me from taking a bad client.

— David R., Web Designer
Coming soon

More tools on the way.

Coming Soon

Brand Identity Kit

Present your studio professionally.

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Client Proposal Template

Win more clients with a polished proposal.

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