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freelance-rate

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Derive a freelance day/hourly rate backwards from target income, honest billable utilization, overhead, and the self-employment tax premium — the arithmetic that proves a rate is not salary÷2000. Use when asked what should I charge as a freelancer, how do I set my consulting rate, why is my freelance rate so high, or convert my salary to a contract rate. Produces the required-revenue breakdown, billable-hours math, the hourly and day rate, and the multiplier vs the naive salary÷2000 number.

skills/freelance-rate/SKILL.md

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# Freelance Rate Skill

New freelancers price by dividing their old salary by 2,000 hours and wondering why they're broke by March. The employer was silently paying for benefits, taxes, tools, sales time, and dry spells — and now all of that lives inside the rate. This skill derives the rate *backwards* from target income through honest utilization, so the number arrives with its own justification attached — which is exactly what you need when a client asks why you charge it.

## What This Skill Produces

- **Required revenue** — target income + self-employment tax premium + business overhead
- **Honest billable hours** — working weeks × hours × billable %, with the billable % defended
- **The rate** — hourly and day rate, plus the multiplier vs naive salary÷2000
- **The justification narrative** — the same math in client-safe words, for the "why so much?" conversation

## Required Inputs

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