# RateKit
> Free calculators for freelancers and solo founders: minimum hourly rate, US self-employment tax set-aside, and retainer pricing. Inputs run in the browser and are not stored. Estimates only, not tax advice.

## Calculators
- [Hourly rate calculator](https://ratekit.co/hourly-rate-calculator/): rate = (take-home + expenses) / (1 - tax%) / billable hours per year.
- [Self-employment tax calculator](https://ratekit.co/self-employment-tax-calculator/): SE tax = profit x 0.9235 x 0.153 plus flat federal and state rates; conservative estimate.
- [Retainer pricing calculator](https://ratekit.co/retainer-pricing-calculator/): retainer = hours x rate x (1 + premium%).

## Guides
- [Why Your Freelance Rate Is Too Low (and How to Fix It)](https://ratekit.co/guides/why-your-freelance-rate-is-too-low/): Most new freelancers set rates by dividing a salary by 2,080 hours. That ignores everything that is not billable.
- [How Much to Save for Freelance Taxes (US)](https://ratekit.co/guides/how-much-to-save-for-freelance-taxes/): A simple rule is to set aside 25 to 30 percent of profit, then refine with an estimate and a tax professional.
- [Hourly vs Retainer Pricing: Which Is Better?](https://ratekit.co/guides/hourly-vs-retainer-pricing/): Hourly pricing is simple and fair for unclear scope. Retainers give both sides predictability.
- [How to Raise Your Freelance Rates Without Losing Clients](https://ratekit.co/guides/how-to-raise-your-freelance-rates/): Raise prices for new clients first, then give existing clients clear notice and a reason.
- [7 Freelance Pricing Mistakes to Avoid](https://ratekit.co/guides/freelance-pricing-mistakes/): Most pricing problems come from ignoring unbilled time, taxes and scope.

## About
- [Methodology](https://ratekit.co/methodology/)
- [About](https://ratekit.co/about/)
- [Affiliate disclosure](https://ratekit.co/disclosure/)