Freelance Rate & Tax Set-Aside
The rate to quote, and how much of every payment to put aside.
Work out the rate you should quote from the income you actually want, build a quote with a buffer, and log each payment so your tax pot is always up to date. You choose the set-aside %. Works offline on your phone or computer. One-time purchase.
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One-time purchase, no subscription. Download link by email. Refund within 14 days if it doesn't help.
The set-aside % and due dates are yours to set. This tool doesn't calculate tax; ask a tax professional.
Freelance Rate & Tax Set-Aside
$72,000 take-home, 25% set aside (your choice)
$96 an hour
Charge at least this, or $761 for an 8-hour day
Try it here
This is the demo build with sample numbers. Saving and export are switched off.
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What you get
- Floor hourly rate and day rate from your target take-home income, itemized costs, weeks off and billable hours
- Quote builder with a scope buffer, a fixed-fee premium and a printable one-page client quote
- Payment log that moves your chosen % into a tax pot and shows what is yours to spend
- Could I cover the next payment? Enter your own due dates and see covered or short
- Year view with income by month and the effective rate you actually earned
Who it's for
Newly self-employed people and side-hustlers in marketing, design, admin, tech and consulting who need a rate to quote and a simple way to keep money aside from each payment.
Questions
Does it calculate how much tax I owe?
No. You type the set-aside % and your due dates and amounts, and the tool only applies your numbers. It doesn't calculate tax. Ask a tax professional for the right figures.
How is the hourly rate worked out?
Take-home income plus costs (and any retirement or savings), divided by one minus your set-aside %, then divided by your billable hours across the weeks you work. The headline rate rounds up to the next whole dollar so it is never below your exact floor. The breakdown shows every step.
Does it need an internet connection or an account?
No. It is a single file that works offline in any modern browser, on phone or computer. There is no login and nothing is sent anywhere.
Where is my data kept, and can I back it up?
On your own device, saved automatically. Use Export to download a backup file and Import to load it on another device.
Can I use a currency other than dollars?
Yes. Choose USD, GBP, EUR, CAD or AUD in the Rate finder. It changes how amounts are shown; the math is the same.
Does it work on my phone?
Yes. Each tool is a single file that opens in the browser on any iPhone, Android phone, tablet or computer. There's no app to install.
Where do my numbers go?
Nowhere. Everything you type stays on your own device. The tools work offline and never send your data anywhere.
Is there a subscription?
No. You pay once and keep the file. Fixes to the version you bought are free.
Pay once,
$19
You get the file, free fixes to version 1.0.0, and your money back within 14 days if it doesn't help.
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Read the refund policy