Understand your finances. Decide better.
Practical guides on liquidity, pricing, reserves and financial planning – for freelancers and small businesses.
The Hourly Rate Formula for Freelancers: Include Every Cost
The formula for your hourly rate is simple – what matters is what you put into it. Here's how to factor in costs, owner's salary, insurance and taxes properly.
Pricing & RatesBillable Hours per Year: How Many You Can Really Invoice
2,000 hours a year? The honest calculation shows how many hours you can really bill – and which levers improve the number.
Pricing & RatesPricing a Service: Step by Step with a Worked Example
How do you price a service without getting the math wrong? Six steps from hourly rate to quote price – with a fictional worked example.
Pricing & RatesHow to Calculate Your Day Rate as a Consultant: Arriving at a Rate That Holds Up
Hourly rate times eight is rarely right. Here's how to derive your day rate from costs, owner's salary and billable days – with a worked example and a market check.
Pricing & RatesCalculating Your Hourly Rate as a Freelancer: The Formula That Actually Works
Target income divided by 2,000 hours – that is how many people calculate, and that is how prices end up too low. Here is the complete formula with an example.