Start Something · Calculator
What should I charge?
Work backwards from the take-home you want to the rate you need — after tax, NI and costs.
Software, kit, insurance, travel
Admin and finding work aren’t paid
After holidays and sick days
TL;DRFreelance rates look high because they have to cover tax, costs, holidays and all the unpaid hours.
Profit needed before tax—
Turnover needed—
Charge at least—
Small print
Assumes you’re a sole trader with no other income, 2026/27 income tax (England, Wales and Northern Ireland) and Class 4 NI. Doesn’t include VAT (only needed above £90,000 turnover), pension or student loan.
Receipts · checked 9 November 2026