Individual skill

rate-card

Build a consulting/freelance rate card and pricing structure — and the floor rate to not go broke. Use when asked to set freelance/consulting rates, build a rate card, decide what to charge, package services, or move off hourly billing. Produces a rate card — your minimum viable rate (from real targets), tiered packages, pricing models (hourly/day/project/retainer/value), and how to present and defend it.

skills/rate-card/SKILL.md

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Nov 10, 2026
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MIT

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# Rate Card Skill

Most freelancers and consultants underprice because they pick a number that "sounds okay" instead of one
the math supports — and they bill hourly, which caps income and punishes efficiency. This skill builds a
rate card grounded in your real targets (income, billable capacity, costs), then packages it into
tiers/models that move you toward value-based pricing — with the language to present and hold it.

## Required Inputs

Ask for these only if they aren't already provided:

- **Target income** (annual take-home you need), and your **costs/overhead** + tax allowance.
- **Realistic billable capacity** — billable days/hours per year (not 100% — admin, sales, holidays eat ~30–40%).
- **Your services** — what you offer, and which are commodity vs. high-value.
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