A salary number doesn't translate directly into a freelance rate — taxes, non-billable time, and gaps between contracts all eat into it. This works backward from the income you actually want.
Out of 52 — minus holidays, sick time, time between contracts.
Most freelancers bill 20–30 hrs/week even working full-time — the rest goes to admin, marketing, and proposals.
Rough placeholder for tax and self-employment costs — check your actual rate with an accountant.
This is a directional formula (income + expenses, grossed up for tax set-aside, divided by realistic billable hours) — not tax advice. Confirm your actual tax obligations with a qualified accountant before setting rates.
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