What this tool does
Work backward from target take-home income, business costs, tax reserve, time off and non-billable work to a minimum hourly, day and project rate.
How to use it
- Enter your values: Target annual take-home, Annual business costs, Tax reserve (%).
- Calculate
- Result: Hourly floor, 8-hour day rate, Project floor, Annual billable hours.
Formula and method
Gross need = (take-home target + annual costs) ÷ (1 − tax reserve). Billable hours = working weeks × hours × (1 − non-billable share). Add the chosen buffer.
Worked example
A 60,000 take-home target, 10,000 costs, 25% tax reserve, six weeks off and 30% non-billable time requires a higher rate than salary ÷ 2,080.
Useful for
- Preparing proposals
- Testing time-off choices
- Avoiding unpaid admin time
Limits and notes
This is a personal floor, not a market rate or tax calculation. Use a locally appropriate tax reserve and validate scope hours.
Frequently asked questions
Is this an official decision or quote?
No. It is a planning result based only on your inputs. Confirm important decisions with the relevant provider or professional.
Are my entries stored?
No. This tool calculates in the current browser and does not send the values to Easynivo.
Source and method review: Easynivo — transparent arithmetic model