Freelancer & Small Business Calculators
Run your freelance practice or small business by the numbers. Calculate your ideal hourly rate, track billable hours, estimate startup costs, analyze profit margins, find your break-even point, and manage cash flow. Essential tools for independent professionals and entrepreneurs.
Freelancer Tools
Rate setting, billable hours, and time tracking for freelancers.
Freelancer Rate Calculator
Calculate your ideal hourly rate based on income goals and expenses.
Billable Hours Calculator
Track billable vs non-billable hours and calculate earnings.
Time Card Calculator
Calculate weekly hours and pay from daily clock-in and clock-out times.
Hourly to Salary Calculator
Convert between hourly rates and annual salary equivalents.
Commission Calculator
Calculate sales commission based on rate and total sales.
Business Finance
Startup costs, employee costs, cash flow, and profitability tools.
Startup Cost Calculator
Estimate total costs to launch your business including one-time and recurring expenses.
Employee Cost Calculator
Calculate the true cost of hiring including taxes, benefits, and overhead.
Cash Flow Calculator
Project monthly cash flow from income and expense estimates.
Pricing & Profitability
Profit margin, markup, break-even, and invoice tools.
Profit Margin Calculator
Calculate gross, operating, and net profit margins.
Markup Calculator
Calculate selling price from cost and desired markup percentage.
Break-Even Calculator
Find how many units you need to sell to cover all costs.
Invoice Calculator
Calculate invoice totals with tax, discounts, and line items.
Frequently Asked Questions
How do I set my freelance hourly rate?
The freelancer rate calculator helps you determine a sustainable hourly rate by factoring in your desired annual income, business expenses, taxes, non-billable hours, and vacation days. Most freelancers need to charge 2-3x what they would earn as an employee to cover self-employment taxes, health insurance, and unpaid time off.
What is the difference between markup and profit margin?
Markup is the percentage added to cost to get the selling price (cost-based), while profit margin is the percentage of the selling price that is profit (revenue-based). A 50% markup on a $100 item means selling at $150 (50% of cost). The profit margin on that $150 sale is 33% ($50 profit / $150 revenue). Our markup and profit margin calculators convert between both.
How do I calculate my break-even point?
The break-even calculator divides your fixed costs by the difference between selling price and variable cost per unit. For example, if fixed costs are $10,000/month, you sell at $50, and each unit costs $30 to make, you break even at 500 units ($10,000 / $20 contribution per unit). This tells you the minimum sales needed to cover all costs.
How much does it really cost to hire an employee?
The true cost of an employee is typically 1.25 to 1.4 times their salary. Beyond the base pay, employers cover payroll taxes (7.65% for FICA), health insurance ($6,000-$15,000/year), retirement contributions, workers' comp, paid time off, equipment, and office space. The employee cost calculator breaks down all these components.