Ochrequiet invoicing

Free tool

Charge the rate that actually covers you.

Enter your target income, business expenses and your real billable hours — not just the hours you're at your desk — and this works out the hourly rate, day rate and annual revenue you need.

Nothing you type here ever leaves your browser. There's no server behind this page — every figure is calculated locally, on your device, the same local-first idea behind the Ochre app.

The tax set-aside field is a planning placeholder you choose, not tax advice. Confirm the right percentage and any deductions with your own tax authority or accountant.

Reviewed 2026-08-11

Income & expenses

Billable hours per year

Billable hours are not working hours. A 40-hour week with plenty of admin, unpaid pitching, emails and gaps between projects might only produce 20–28 hours you can actually invoice. Pricing off your desk-time instead of your billable time is the single most common way freelancers underprice themselves — this tool exists to make that gap visible before you quote a number.

Results

More calculators

Two more free pricing tools, and the invoice generator this calculator feeds into.

Break-even calculator

Find out exactly how many sales it takes before a product or service starts making money.

Profit margin calculator

Enter any two of cost, price, margin or markup and solve for the rest.

Invoice generator

Once your rate is set, turn it into a clean, tax-correct invoice in a couple of minutes.

Questions

Why is my hourly rate higher than income ÷ working hours?
Because not every working hour is billable. Admin, proposals, marketing, unpaid pitches and time off all take up real weeks in the year without producing an invoice. If you divide your target income by the hours you're at work rather than the hours you actually bill, you will underprice yourself every single time.
What counts as a business expense here?
Anything the business spends money on that isn't your own income — software subscriptions, insurance, equipment, contractor fees, a portion of a home office. It should not include income tax or your personal living costs; those are covered by the target income and tax set-aside fields instead.
Is the tax set-aside figure tax advice?
No. It is a placeholder percentage you choose to set aside from every dollar billed so a tax bill doesn't come as a surprise. The right percentage depends on your local rules, structure and income level — confirm it with your own accountant or tax authority, not this calculator.
How do I choose a realistic billable-utilisation percentage?
Most freelancers and consultants bill somewhere between 50% and 80% of their working hours once you account for admin, sales and gaps between projects. If you've never tracked it, start around 65% and revisit the number after a few months of actually logging your time.
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What this page cannot do

A rate you cannot check is a guess.

This page will give you a floor. What it cannot tell you is whether you have been charging it. Ochre has the same calculator in Insights, plus time tracking that turns logged hours into invoice lines at the rate you set — so the floor and the billing are one system instead of two.