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What to charge to make the money you want.

Tell it the income you want to take home. It works backward through tax, expenses, time off, and the hours you cannot bill, to the rate you actually need to charge.

Reverse rate engine

To make $75,000 a year, charge

$88/hr

about $707 for an 8-hour day

Income you want (take-home)Set aside for tax %Business expenses / yearWeeks you work / yearBillable hours / week (not hours worked)You might work 40, but admin, marketing, and quoting are not billable. Most solo operators bill 20 to 30.

The math. To take home $75,000 after 25% tax, you need $100,000 in profit. Add $6,000 of expenses and that is $106,000 of revenue, across 1,200 billable hours.

Most people divide $75,000 by 2,080 hours and land on $36/hr. That is the number that keeps people broke. Your real rate is $88/hr.

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