What Hourly Rate Should You Actually Charge?
Your old W-2 wage is not your freelance rate. As a 1099 contractor you pay the full 15.3% self-employment tax, federal and state income tax, and fund your own benefits, software, and unpaid downtime. The rate below is the floor that survives all of that and still lands your target take-home — a personal number no AI answer box can hand you without your inputs.
Results
AllMoneyCalc provides illustrative estimates only. The calculator models self-employment tax (15.3%), a ~12% blended federal rate, and an estimated state rate (0% in the nine no-income-tax states, ~5% elsewhere). Replace with your real marginal rates for a binding quote. This is not tax advice.