Freelancer Money Kit · Tool 01

Price the project before the client prices you.

Step 1 finds the rate you can't go below. Step 2 turns a task list into a real project price, three packages, a payment schedule and a quote you can paste. Everything runs on your device. Nothing is sent anywhere.

Try a preset:

1 Your floor: the rate you can't go below

Be honest here. Most underpricing starts with assuming 40 billable hours a week.

Take-home income you want (per year, after tax)

Business expenses / year

Software, hardware, insurance, accountant, health cover, pension.

Tax estimate on profit

A rough all-in guess. Ask your accountant for yours.

Working weeks / year

weeks

52 minus holidays, sick days, public holidays.

Hours you work / week

hrs

Billable share of those hours (utilization)

60%

Sales, admin, invoicing and learning aren't billable. 50–70% is a common planning range for solo freelancers — an estimate, not a rule.

Safety margin

Covers slow months and late payers.

Hours in a client day

hrs

Revenue needed

—

Billable hrs/yr

—

Floor / hour

—

Min day rate

—

Quote at / hour

—

Quote at / day

—

2 The project: tasks × hours, then the real-world extras

List what you'll actually do. Estimate each task in hours, the way you'd plan your week.

Client name

Project name

Tasks & hours

Revision rounds included

rounds

Hours per round

hrs

Calls, email & admin

The hidden work on every project.

Risk buffer

10% if you've done it 20 times. 30%+ if it's new.

Rush fee (deadline shorter than your normal timeline)

Value multiplier — what is this worth to the client?

1.2×

Hourly rate used

Invoice terms

Timeline

weeks

Recommended project price

—

Three packages (send all three — most clients pick the middle)

Payment schedule (for the recommended package)

Copy-paste quote paragraph (edit freely)

Tip: you can edit the text above before copying. Changing any input above regenerates it.