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Freelance Rate + Capacity Planner

Build a pricing floor from capacity reality, not guesswork. Translate annual goals into hourly, day, and project rates.

Income + Capacity Inputs

Solve minimum viable and target rates from income goals, utilization, overhead, and tax assumptions.

Rate Floor Output

Minimum viable
$188.13/h
Target rate
$216.35/h
Stretch rate
$248.80/h

Rate Ladder

Anchor pricing between viable floor and stretch positioning.

Minimum viable
$188.13/h
Target
$216.35/h
Stretch
$248.80/h
Project quote
$7,572.25

Utilization vs Required Rate

Lower utilization quickly raises the hourly floor.

50%70%90%
Required hourly rate
$156.25
Day rate: $1,730.80
Project rate: $7,572.25
Billable hours/year: 1,196

Utilization sensitivity

UtilizationRequired hourly rate
50%$281.25
60%$234.37
70%$200.89
80%$175.78
90%$156.25

Warnings

  • Required hourly rate is high. Re-check scope, utilization, and target assumptions.

US/UK Freelancer Quotes

Translate annual income targets into practical hourly and day-rate floors.

EU Capacity Planning

Stress-test utilization and tax assumptions before setting fixed-price proposals.

Retainer + Project Mix

Use project-hour conversion to avoid underpricing fixed-scope engagements.

How To Use This Planner

  1. Set income target and annual business overhead.
  2. Set tax-rate and pricing buffer assumptions.
  3. Set working weeks, weekly hours, and billable utilization.
  4. Review minimum, target, and stretch rate outputs.
  5. Stress-test with utilization sensitivity before setting quotes.
  6. Save a shareable link with your assumptions, then run one conservative and one optimistic scenario before deciding.
For AI Agents (Optional)

Human mode is default. You can ignore this section unless you use AI agents or structured automation.

Agent Contract

Contract: freelance_rate_capacity v1 

{
  "tool": "freelance_rate_capacity",
  "target_annual_income": 140000,
  "annual_business_overhead": 22000,
  "tax_rate_percent": 28,
  "buffer_percent": 15,
  "working_weeks_per_year": 46,
  "working_hours_per_week": 40,
  "billable_utilization_percent": 65,
  "project_hours": 35
}

Frequently Asked Questions

What is the minimum viable rate?

It is the hourly floor needed to hit your income target after overhead and tax assumptions, before optional pricing buffer.

Why does utilization matter so much?

Lower billable utilization reduces sellable hours, which pushes required rate up sharply.

Can this be used for day rates and project rates?

Yes. The planner converts required hourly rate into day-rate and project-rate estimates.

Can agents execute this contract directly?

Yes. A deterministic `freelance_rate_capacity` tool contract is exposed through model context and public schema.

Is this tool free and private to use?

Yes. AI Biz Hub tools are free, no-signup browser tools. Inputs stay in your browser unless you choose to share a URL.

Can I use this with AI agents too?

Yes. Human mode is the default experience. If you use AI automation, open the optional 'For AI Agents' section for deterministic contracts.

Is this professional advice?

No. Outputs are business planning estimates — not legal, tax, or accounting advice.

Business planning estimates — not legal, tax, or accounting advice.