
For service providers
Build in the hidden costs, calculate real rates, and know exactly what you need to charge — or how many clients you need to hit your income goal.
Enter your hourly rate and working pattern → see your gross earnings at every level, including the hidden cost of unseen client work.
Drag to explore how your rate changes your income
Projected annual gross
£73,600/yr
💡 Raising your rate by just £5/hr adds £4,600 to your annual gross.
Your charge rate (what you bill clients)
£80/hr
Account for all your time
How long is each client session? E.g. 1 hr, 1.5 hrs, half a day (3.5 hrs)
Total overhead per project: onboarding, calls, admin, offboarding
How many bookings does a typical project last? Spreads overhead across each session.
Non-billable hrs per booking (amortised)
2 hrs
What you actually earn per hour worked
£27/hr
This is what you're really earning for every hour you work — billable plus all the unpaid time (admin, calls, onboarding, offboarding). If this feels low, raise your rate or reduce non-billable time per project.
How many clients do you see and when
Revenue per day (5 × £80)
£400
How many days a week do you see clients?
Subtract holidays, sick days, CPD etc.
Billable hrs/wk (hours you charge for)
20 hrs
Non-billable hrs/wk (hours you don't charge for)
40 hrs
Total hrs/wk (what you're actually working)
60 hrs
⚠️That's 15 hrs per working day. Either raise your rate, reduce non-billable time per project, or spread the work across more days.
Based on your inputs above
💡 Gross figures before tax. Seeing 5 clients/day × 4 days = 20 bookings/wk. You're effectively earning £27/hr for every hour actually worked.