Know your numbers.
Keep your margin.
Clear, honest money tools for independent work — built up from real costs, not vibes. Free, instant, and nothing leaves your browser.
Work out what to charge →The calculators
Freelance Rate Calculator
The hourly, day, and project rate you should actually charge — built from take-home pay, taxes, benefits, time off, and real billable hours.
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Contract vs Full-Time
Convert a salary into an honest contract rate — and back — with employer payroll taxes, benefits, and bench weeks priced in.
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Quarterly Tax Set-Aside
How much of every invoice to park for estimated taxes — with real 2026 self-employment, federal, and state math, and your four payment dates.
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Day Rate Calculator
Day-rate first pricing for UK and EU contracting — with inside vs outside IR35 compared side by side.
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Freelance Runway
How long your savings really last once tax owed comes off the top — and what each change buys you in months.
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Side Hustle Profit
What your side project really earns per hour after costs, fees, and taxes.
Coming soon
Why Margin
Most rate calculators either hide the answer behind an email gate or hide the math behind a single magic number. Margin does neither: every calculator shows its formula, uses honest defaults with sources, and works entirely in your browser. Your floor, your numbers, your margin.