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.

自由职业者费率计算器

计算作为自由职业者达到收入目标所需的最低时薪。

期望年收入

年度业务支出

税率（自雇）

每周可计费小时

小时

每年工作周数

周

最低时薪

$101.19

所需总收入$121,428.57

税费（估算）$36,428.57

固定成本$5,000.00

年可计费小时1,200

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.

假设分析

税率（自雇）$101.19

每周可计费小时$101.19

每年工作周数$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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关于此计算器

许多自由职业者报价偏低，因为忽略了税款、业务费用和不可计费时间。此计算器帮助您找到实现收入目标所需的真实费率。

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常见问题

为什么我的自由职业费率比上班高这么多？

作为自由职业者，您需自付社保、业务开支，还有不可计费的时间。这些成本可能使所需费率提高50-100%。

什么是可计费小时？

仅指直接向客户收费的时间。营销、行政和学习时间通常不可计费，因此大多数自由职业者只有50-60%的工作时间是可计费的。

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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.

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