Why is my freelance rate so much higher than my employee rate?

As a freelancer you pay self-employment tax (15.3%), business expenses, and have unpaid admin/marketing time. These costs can add 50-100% to the rate you need versus a salary.

What counts as a billable hour?

Only hours you actually charge clients. Marketing, admin, invoicing, and professional development are typically non-billable, which is why most freelancers only bill 50-60% of their working hours.

How many weeks per year should I plan for?

Most freelancers work 46-50 weeks per year after accounting for vacation, sick days, and slow periods. Using 48 weeks is realistic — it leaves 4 weeks for time off and accounts for the fact that freelancers rarely have 100% client coverage year-round.

Calculadora de Tarifa Freelance

Calcula la tarifa por hora que necesitas cobrar como freelancer para alcanzar tu meta.

Ingreso Anual Deseado

Gastos Anuales del Negocio

Tasa Impositiva (autónomo)

Horas Facturables por Semana

hrs

Semanas Trabajadas por Año

semanas

Tarifa Mínima por Hora

$101.19

Ingresos Brutos Necesarios$121,428.57

Impuestos (estimado)$36,428.57

Costos Fijos$5,000.00

Horas Facturables/Año1,200

To net $80,000.00/year after 30.00% taxes and $5,000.00 expenses, you need to bill at least $101.19/hour for 1200 hours per year.

Análisis ¿Qué pasaría si?

Tasa Impositiva (autónomo)$101.19

Horas Facturables por Semana$101.19

Semanas Trabajadas por Año$101.19

Most new freelancers charge 40–50% below their minimum viable rate — and burn out within a year.

Try next

Invoice + Tax Calculator

Generate your first invoice at the correct rate

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Acerca de esta Calculadora

Muchos freelancers cobran de menos porque olvidan los impuestos, los gastos y las horas no facturables. Esta calculadora te da la tarifa real que necesitas para alcanzar tu ingreso objetivo.

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Preguntas Frecuentes

¿Por qué mi tarifa freelance es tan alta?

Como freelancer pagas seguridad social, gastos de negocio y tienes horas no facturables. Estos costos pueden sumar un 50-100% más a la tarifa necesaria.

¿Qué es una hora facturable?

Solo las horas que cobras directamente a clientes. El marketing, la administración y la formación generalmente no son facturables.

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Lectura relacionada

Planning

How to Set Your Freelance Rate Without Underselling Yourself

6 min read Taxes

Side Hustle Taxes: How to File as a Freelancer Without Overpaying

7 min read Income

Freelance vs. Full-Time Income: The Real Comparison After Taxes and Benefits

7 min read

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For informational purposes only. Calculator results are estimates based on the inputs you provide. This is not financial, investment, tax, or legal advice. Consult a qualified financial professional before making major financial decisions.