Freelancer Money Tools
Free calculators to help freelancers and self-employed people price their work, plan their income and get paid on time.
Pricing tools
These work in every country. Pick your currency inside each calculator.
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Free
Freelance hourly rate calculator
Find the hourly rate you need to hit your take-home income goal after tax, expenses and time off.
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Free
Contractor day rate calculator
Work out the day rate you need, allowing for holidays and gaps between contracts.
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Free
Project pricing calculator
Turn your hours, costs and a safety buffer into a fixed project quote and deposit.
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Income tools
See what your rate adds up to, and claim what you're owed when clients pay late.
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Free
Hourly to annual income calculator
See what an hourly rate adds up to per day, week, month and year.
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Free
Billable hours calculator
Work out how many hours you can realistically bill once admin and sales are counted.
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Free
Late payment interest calculator
Calculate interest and fixed compensation on an overdue invoice, including UK statutory interest.
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Money planning
Tools to smooth out irregular income and plan ahead.
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Free
Emergency fund calculator
Work out how much cash to keep for quiet months, and how long it will take to save.
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Free
Retirement savings calculator
See what your pension or retirement savings could grow to, and the income they might give you.
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Free
Income smoothing calculator
Turn irregular freelance income into a steady monthly salary with a safety buffer.
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Tax tools by country
Tax rules are different in every country, so each one gets its own calculators, checked against official government sources.
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Hub
United States
Self-employment tax, quarterly estimates, take-home pay, 1099 vs W-2, mileage and home office.
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Hub
United Kingdom
Tax and NI, payments on account, sole trader vs Ltd, mileage and working from home.
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Hub
Canada
Self-employed tax and CPP, instalments, employee vs contractor and GST/HST.
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Hub
Australia
Sole trader tax, GST, employee vs contractor and voluntary super.
Open Australia tools