ClearRate is a small set of free calculators for freelancers and small-business owners in the United States. No sign-up, no download, and no jargon. Enter a few numbers, get a clear answer, and read the plain-English explanation underneath so you know what the answer means — and what it does not mean.
Turn the salary you want into an hourly rate that actually covers your expenses, your time off, and a profit margin. Most freelancers undercharge because they divide a salary by 2,080 hours — and forget that a freelancer is not billable for all of them.
A $5,000 invoice is not $5,000 in your pocket. Fees, expenses, and taxes come out first. This calculator shows each deduction line by line, so you can see exactly what you keep — and set aside enough for tax before you spend it.
Work out the monthly payment on a business loan, equipment loan, or personal loan, and see the total interest you will pay over the life of the loan. A small change in rate or term can cost — or save — thousands of dollars.
What is a $75,000 salary worth per hour? It depends on your hours and your time off. This converter turns a salary into an hourly, daily, weekly, and monthly rate — with vacation and holidays counted, not ignored.
Nobody withholds tax from freelance pay. Estimate your quarterly payment — federal income tax, self-employment tax, and state tax — and see how much to set aside each month so the deadline never hurts.
Freelancers and small-business owners make the same five money decisions over and over: what to charge, what they actually keep, what borrowing really costs, what a salary is worth per hour, and how much tax to set aside. Get any one of them wrong and the business looks profitable on paper while the bank account quietly shrinks. A rate that is too low means working more hours for less money. An invoice that looks generous can leave too little after tax. A loan with a low monthly payment can cost far more in total interest than a shorter loan with a higher payment. A salary that looks generous can be worth less per hour than freelance work once the hours and benefits are counted. And tax that is never set aside arrives all at once, in April, as a bill you cannot pay.
These calculators do not replace an accountant or a financial adviser. They are a starting point: a fast, honest estimate you can use in a client conversation, a budget, or a loan comparison — and a reason to ask a professional the right questions before you sign anything. Every result on this site is an estimate, not financial advice. See the disclaimer on each tool page.
All five calculators run entirely in your browser. The numbers you type are not sent to a server, stored, or shared. That is a deliberate choice: your salary target, your tax rate, and your loan amount are your business. Read the full Privacy Policy for details, including how advertising cookies work if ads are shown on this site in the future.
ClearRate is run by an independent writer and builder. Learn more on the About page, meet the author on the author page, or get in touch.