About this calculator
Billable hourly rate from target salary, annual expenses and billable hours with buffer.
Annuity and differentiated monthly installments, interest breakdown, and amortization schedule.
Calculate PITI (Principal, Interest, Taxes, Insurance), PMI, and accelerated payoff savings.
Visualize compound growth with recurring deposits, annual rate, and investment horizons.
Add or extract Value Added Tax (VAT) with international country presets.
Analyze profitability and percentage return on business capital and investments.
Gross to net salary with income tax, social contributions and deductions, monthly and annual.
Billable rate from salary and expenses.
Input Parameters
Calculation Summary
Billable hourly rate from target salary, annual expenses and billable hours with buffer.
(Salary + expenses) ÷ billable hours, plus ~20% buffer.
Total work minus admin, marketing and idle time — often ~1000/yr.
Vacations, sick days and late payers eat income.