{"slug":"freelance-rate","name":"Freelance Rate Calculator","category":"mba","tags":["pricing","earning"],"tagline":"The hourly rate that actually pays your target income — after unbillable time, overhead, and tax.","endpoint":"https://xearno.tools/api/v1/tools/freelance-rate","page":"https://xearno.tools/t/freelance-rate","description":"Works backward from target income to the rate you must charge: subtracting non-billable time, business overhead, time off, and the self-employment tax gap that makes a freelance hour worth less than an employed one.","inputSchema":{"type":"object","properties":{"targetIncome":{"description":"Target annual take-home","type":"number","minimum":1,"default":80000},"billableHours":{"description":"Billable hours / week Realistic for full-time freelancing: 20-30. Sales, admin, and email are not billable.","type":"number","minimum":1,"maximum":60,"default":25},"weeksOff":{"description":"Weeks off / year Vacation + sick + dry spells between clients.","type":"number","minimum":0,"maximum":30,"default":6},"overhead":{"description":"Business costs / year Software, equipment, insurance, coworking, accounting.","type":"number","minimum":0,"default":8000},"taxBuffer":{"description":"Tax & contributions buffer (%) Income tax + self-employment/social contributions on profit.","type":"number","minimum":0,"maximum":60,"default":30}},"required":[],"additionalProperties":false},"methodology":["Required revenue = target take-home ÷ (1 − tax rate) + overhead; rate = revenue ÷ (billable hours × working weeks). Tax applies to profit (after overhead), which this approximates conservatively.","The billable-hours default (25/week) reflects the consistent finding that full-time freelancers bill roughly half their working time once sales, admin, and gaps are counted."],"usage":"POST https://xearno.tools/api/v1/tools/freelance-rate with a JSON body matching inputSchema."}