Your Numbers
What you want deposited in your bank account after all taxes.
Software subscriptions, equipment, coworking, insurances.
Real client time (average is 20-30h).
Vacation + public holidays + sick days.
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Open a Wise Business Account →Frequently Asked Questions
How should I calculate my freelance hourly rate?
Add your desired net income, taxes, and overhead expenses, then divide by your annual billable hours (excluding holidays and admin time).
What is the difference between billable and non-billable hours?
Billable hours are spent on client deliverables. Non-billable hours cover invoicing, marketing, emails, and business admin (typically 10-15h/week).
Why charge a day rate instead of hourly?
Day rates avoid micro-management from clients, simplify project scoping, and prevent you from losing income as your efficiency increases.
How much should I set aside for taxes?
Depending on your country and legal setup, freelancers typically reserve between 25% and 40% of their gross earnings for taxes and social security.