Most freelance rate calculators tell you what you'd earn at a given rate. ChargeWhat works backwards — you enter your target take-home income, and it calculates the minimum hourly rate you need to actually hit that number after self-employment tax, income tax, health insurance, business expenses, and a profit buffer.
The US calculator covers all 50 states, calculates SE tax correctly at 15.3% on 92.35% of net profit, and includes a project quote tool. The UK calculator covers Income Tax for England, Wales, Northern Ireland, and Scotland, Class 4 National Insurance, student loan repayments, pension contributions, and a VAT threshold warning.
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