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Is this freelance
offer worth it?

Six calculators that answer the financial questions freelancers actually face. Not rate-setting templates — real decision tools.

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Built for the question, not the formula.

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Decision-first
Each tool answers a real question — not just "here is a formula."

FreelancePrice is a free suite of freelance calculator tools built for independent contractors, 1099 workers, consultants, and anyone evaluating the switch from traditional employment to freelance work. Every tool runs instantly in your browser — no signup, no account, no paywalls, ever.

The smartest freelance decision starts with the right numbers

One of the biggest financial mistakes freelancers make is accepting a contract rate without accounting for what they actually take home. A $100/hr contract sounds better than a $75,000 salary — until you factor in self-employment tax, health insurance, unpaid time off, and the weeks between contracts. Our 1099 vs W2 calculator shows you the real side-by-side take-home comparison after SE tax, income tax, and benefits value, so you can make an informed decision before signing anything.

Free 1099 vs W2 calculator — know your real take-home

Our 1099 vs W2 calculator is the most-used tool on FreelancePrice. As a 1099 independent contractor, you pay the full 15.3% self-employment tax on your net earnings — both the employer and employee portions of Social Security and Medicare. A W2 employee only pays half (7.65%) because their employer covers the rest. The difference is significant: on $100,000 of income, that's an extra $7,650 coming directly out of your pocket as a contractor. Our calculator accounts for this automatically alongside federal income tax, so the number you see is your actual take-home pay, not a guess.

Freelance hourly rate calculator — charge what you're worth

Most freelancers undercharge because they divide their desired income by 40 hours a week and call it a rate. That ignores the reality of freelance work: admin time, proposal writing, invoicing, gaps between projects, and non-billable hours that easily consume 30–40% of your week. Our freelance hourly rate calculator uses your income goal, annual business expenses, estimated tax rate, working weeks, and realistic billable utilization to calculate a sustainable rate — the minimum you need to charge to actually hit your income target.

Contract to salary calculator — is the offer really better?

Converting a contract offer to its full-time salary equivalent is harder than it looks. A $85/hr contract sounds like $170,000 a year, but that assumes 40 billable hours every week for 50 weeks with zero gaps — unrealistic for any contractor. Our contract to salary calculator factors in actual billable hours, working weeks, SE tax, and the value of benefits like health insurance, 401k match, and paid time off to show you the true W2 equivalent of any contract offer.

Freelance project rate calculator — stop underquoting

Fixed-price projects fail freelancers when scope creep eats into profit. Our freelance project rate calculator starts from your hourly rate, multiplies by estimated hours, adds a revision buffer, layers in overhead and project expenses, then applies your desired profit margin. The result is a floor price — the minimum you can charge and still make your numbers work — so you can quote with confidence instead of guessing.

Break-even monthly income calculator

Every freelancer needs to know their floor: the minimum monthly gross income that covers personal expenses, business costs, and taxes before any profit is made. Our break-even calculator makes this number explicit so you know exactly how many billable hours you need each month just to keep the lights on.


All FreelancePrice tools are free, require no account or email address, and calculate instantly as you type. Built for US-based freelancers, independent contractors, consultants, and anyone navigating the 1099 economy.

Freelance pricing — frequently asked questions

Common questions about how to price freelance services, answered with real numbers and no filler advice.

How to price freelance services?

Start with your desired annual income, add business expenses and taxes (25–35% for US freelancers), then divide by realistic billable hours — typically 20–28 hours per week, not 40. Most freelancers bill only 50–70% of their working hours because the rest goes to admin, proposals, and non-billable tasks.

The formula: (Income Goal + Expenses) ÷ (1 − Tax Rate) ÷ Annual Billable Hours. Our free freelance rate calculator automates this instantly with your actual numbers.

How do you price freelance web design?

Freelance web design pricing depends on experience and project scope. Junior designers charge $35–$75/hr, mid-level $75–$125/hr, and senior specialists $125–$200/hr. For project pricing, estimate hours, multiply by your rate, add a 15–25% revision buffer, and include software costs. A standard 5-page business website runs $1,500–$5,000 for juniors and $5,000–$15,000 for senior designers.

Always define deliverables in writing before quoting a fixed price. Use our project rate calculator to build a quote from hours to final price with buffer and margin.

How to price freelance work fairly?

Fair freelance pricing covers four things: your income goal, business expenses, taxes (including the 15.3% self-employment tax US contractors pay), and non-billable time. Calculate your break-even rate first — the minimum hourly rate to cover all costs — then add a 20–30% profit margin above that floor.

Pricing below break-even to win clients creates a loss-making business regardless of how busy you are. Use our break-even calculator to find your floor before setting any rate.

How to price freelance services for the first time?

First-time freelancers should follow this sequence:

  1. Calculate your break-even hourly rate using actual living expenses, business costs, and a 30% tax set-aside.
  2. Research market rates on Upwork and LinkedIn for your specific skill and experience level.
  3. Never price below break-even just to win clients.
  4. Start slightly below mid-market to build reviews, then raise rates after 3–5 completed projects.

Our freelance rate calculator gives you a sustainable starting rate based on your income goal and realistic billable hours — not a guess.

How do I price a freelance project on Contra?

Contra takes 0% commission, so you can quote your full rate without adjusting for platform fees — unlike Upwork which charges up to 10%. To price a project on Contra: estimate hours, multiply by your hourly rate, add a 20% scope buffer, include tool or asset expenses, then apply your profit margin.

Use our project rate calculator to build a fixed-price quote from hours and rate to final project price so you never underquote.

How to price freelance graphic design work?

Freelance graphic designers charge $40–$65/hr at entry level, $65–$125/hr mid-level, and $125–$200/hr for senior brand specialists. Project benchmarks: logo design $500–$2,500 (junior) or $3,000–$10,000+ (senior), brand identity systems $2,500–$20,000. Factor in Adobe Creative Cloud (~$55/mo), revision time (budget 1–2 hours per round), and client communication overhead when quoting fixed prices.

What is a reasonable price for freelance writing?

Reasonable freelance writing rates in 2026: $0.05–$0.15/word for entry-level content, $0.15–$0.40/word for experienced writers, and $0.50–$1.50+/word for technical, B2B, or high-conversion copywriting. Hourly: $30–$60/hr for generalist writers, $75–$200/hr for specialists.

To find your minimum per-word rate: divide your target hourly rate by your average words-per-hour output. At $75/hr writing 500 words/hour, your minimum is $0.15/word.

How to price freelance services in 2025 and 2026?

Freelance pricing in 2025–2026 is being shaped by three forces: AI tools reducing time-per-deliverable (shifting value to outcomes, not hours), inflation requiring 10–20% rate increases vs 2022 baselines, and a growing contractor market increasing competition at the lower end.

The 2026 strategy: anchor on value delivered, raise rates 10–15% annually, specialize (niche expertise commands 2–3x generalist rates), and recalculate your sustainable rate with current expense numbers using our rate calculator.

How to price freelance web development?

Freelance web developers charge $50–$100/hr entry level, $100–$175/hr mid-level, and $175–$300/hr for senior or specialist developers. Project ranges: landing page $500–$2,000, business website $3,000–$15,000, custom web application $10,000–$100,000+.

For fixed-price projects: estimate hours conservatively, add a 25–30% buffer for debugging and revisions, and always include a paid discovery phase for complex builds. Use our project rate calculator to quote with confidence.

What is the average price per word for freelance writers?

Average per-word rates in 2026: $0.10–$0.30 for general blog content, $0.30–$0.75 for SEO and industry-specific writing, $0.75–$2.00+ for technical writing, white papers, and sales copy. Content mills pay $0.01–$0.05/word — below a sustainable rate for any writer with real skills.

How to price freelance art?

Illustration rates: $25–$50/hr for beginners, $75–$200/hr for established illustrators. Project benchmarks: spot illustrations $150–$500, editorial pieces $300–$1,000, character design $500–$5,000+. Always charge more for commercial use than personal use, and never include unlimited revisions in a flat quote — budget 1 hour per revision round and state this in your contract.

How to price freelance animation?

Animation is typically quoted per finished second or per project. 2D motion graphics: $150–$500 per finished second. Explainer videos: $3,000–$10,000 for 60–90 seconds. Character animation: $500–$2,000 per second depending on complexity. Hourly: $50–$100 entry level, $100–$250/hr for senior motion designers and 3D artists. Always quote with clearly defined revision rounds — animation is time-intensive and unlimited revisions will destroy your margin.

How to price your freelance services in 2026?

To price your freelance services in 2026: first calculate your break-even rate using current expenses (inflation has raised costs 15–20% since 2022). Second, research current market rates for your specific discipline — not averages across all freelancers. Third, factor in self-employment tax (15.3% in the US) which most calculators ignore. Fourth, price for outcomes where possible — clients pay for results, not hours.

Use FreelancePrice's free rate calculator with your actual 2026 numbers to find your sustainable minimum, then position your rate based on the value you deliver above that floor.