About the Author

ClearRate is written and built by an independent writer and builder who has spent years working with freelancers, small-business owners, and the tools they use to run their businesses.

The idea for this site came from a simple observation: the people who most need clear money answers are the ones least served by the financial industry. A freelancer pricing their first project, a designer checking what an invoice really leaves after tax, a small-business owner comparing two loans — none of them needs a sales pitch, a sign-up form, or a wall of jargon. They need a number they can trust, an explanation they can follow, and an honest statement of what the number does not cover.

That is the standard every page on ClearRate is held to. Each calculator is tested with worked examples before it is published. Each guide is written to answer the question a real person actually searched for, in the words they would use. And every result carries the same disclaimer: these are estimates for planning, not financial advice, and a qualified professional should be consulted for decisions that involve real money, contracts, or tax filings.

The author is not a licensed financial adviser, accountant, or tax professional, and ClearRate does not pretend otherwise. The expertise here is in building clear tools and writing plain English — and in knowing where that expertise ends. Where a topic needs a professional, the guides say so, and say why.

Corrections and suggestions are welcome. If you spot an error, a confusing explanation, or a calculator result that does not match your own math, please get in touch. The site is improved a little at a time, and reader feedback is the best source of improvements.

Read the site’s purpose on the About page, check how your data is handled in the Privacy Policy, or start with the freelance rate calculator.