Undercharging is rarely a maths problem — it's a confidence one. Fill in your real numbers and get a rate you can defend, in under two minutes.
Use real figures from a typical month, not your best month.
Rent, data, software, transport, stock, insurance — everything it costs to keep the business running, before you pay yourself.
Your actual salary target — what lands in your personal account.
52 minus leave, sick days & slow weeks.
Add this to see the gap between what you charge and what the maths says.
Updates live as you type.
Your monthly costs, divided by realistic billable hours, gives your true breakeven — the absolute floor.
Your desired take-home is added on top — this is a business paying you a salary, not you working for free.
A margin for slow months, tax, and reinvestment — so one quiet month doesn't undo your planning.
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