Freelancer take-home pay

Worked example

$100,000 revenue - $15,000 expenses = $85,000 net profit. At 22% income tax ($18,700) and 12% pension or social-security contributions ($10,200) you keep $56,100 a year: $4,675 a month, $1,078.85 a week, or $31.17 for each of 1,800 hours worked.

How it works

The tax and contribution rates are numbers you enter. This tool applies them as flat rates to net profit and does not look up brackets, credits or deductions, so it is a planning estimate, not a tax return. Real tax is usually progressive, and the contribution base differs by country. Use a tax calculator for your country, or an accountant, to find your real rates.

Compare the per-hour result with your target to see whether your rate needs to go up.

Sources and basis (checked 2026-10-08): arithmetic on the numbers you enter. No published rates, tax rules or benchmarks are built in; any figure described as a rule of thumb is labelled as one. This is a planning estimate, not financial, tax or legal advice.

Everything runs in your browser. Nothing you type is sent or stored.

FAQ

How much does a freelancer take home from $100,000?

With $15,000 of expenses, 22% tax and 12% contributions, $56,100 a year. Your own rates will change this.

Which tax rate should I enter?

Your estimated overall rate on net profit. Check it with your tax authority's calculator or an accountant; this tool does not look up brackets.

Why is take-home so much lower than revenue?

Expenses come off first, then tax and contributions are charged on what is left, and you also fund your own leave and benefits.

Does this include sales tax?

No. Sales tax (GST/HST, VAT, sales tax) is collected for the government and is not your revenue.