What should I actually charge?
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.
Your numbers
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.
What you should charge
Updates live as you type.
How this number is built
Cover your costs first
Your monthly costs, divided by realistic billable hours, gives your true breakeven — the absolute floor.
Pay yourself properly
Your desired take-home is added on top — this is a business paying you a salary, not you working for free.
Build in a buffer
A margin for slow months, tax, and reinvestment — so one quiet month doesn't undo your planning.
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