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Freelancer Rate Negotiation Calculator

Why This is an Opportunity

Every freelancer does this math wrong at least once. It's a focused calculator with saved scenarios — build it in a day, monetize with a pro tier that tracks actual vs projected income over time.

Key Pain Points

  • You charge $75/hr thinking it's great until you realize 30% goes to taxes, you're paying $500/mo for health insurance, and you only bill 25 hours a week
  • Clients push back on your rate and you have no confidence in whether you can actually go lower
  • You have no idea what your effective hourly rate is after accounting for all the unpaid admin, invoicing, and sales time
  • Every 'freelance rate calculator' online is a blog post with a basic formula, not an actual tool you can save and revisit
Market Opportunity
Freelancer Financial Management & Rate Optimization SaaS Market
Current Size (2026)
$1.8B
Projected (2036)
$5.6B
CAGR
12.0%
This market is projected to grow 211% over the next 10 years, reaching $5.6B by 2036.

Original Discovery

Freelancers set their hourly rate based on vibes and then wonder why they're making less than they did at their full-time job. They forget to account for self-employment tax, health insurance, unpaid time off, unbillable hours, and business expenses. This calculator works backward from your desired take-home pay and shows you exactly what rate you need to charge.

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