Real Hourly Rate: The calculator that shows what you actually earn

Most freelancers charge $85/hr and wonder why they feel broke. Real Hourly Rate shows you 3 numbers: apparent rate, billable rate, and your TRUE hourly rate — after tax, insurance, tools, and unbilled admin time. Add projects → enter costs → see reality. Also includes a Rate Planner (reverse-calculate what to charge) and Annual Projection. No signup. No server. Your data stays local.

Hey Product Hunt! 👋 I'm Ican, a solo product builder. I built Real Hourly Rate after a painful realization: I'd been freelancing for years at $85/hr, but when I actually accounted for taxes, health insurance, SaaS subscriptions, and the ~12 hours/month I spend on proposals and invoicing that nobody pays for — my real hourly rate was $41. That gap felt worth fixing. So I built a calculator that shows you three numbers: Apparent rate — what you think you charge Billable rate — profit ÷ billed hours only Real rate — profit ÷ every hour you actually worked It also has a Rate Planner: type in your target real rate, it tells you exactly what to charge clients to get there. Everything runs in a single HTML file. No account, no server, no data leaves your browser. Use code PH20 for 20% off today. 🎉 I'd love to hear: what's your biggest "invisible cost" as a freelancer? Happy to answer any questions below!

@yancan_chen Simple but important tool, especially for anyone who has never properly measured their true working rate. I’ve upvoted it and I like the honesty behind the idea. Most people underestimate the hidden cost of time until they see it laid out like this.