Am I charging enough to live on?

What you really earn per working hour, the rate your life requires, and the gap between them.


When to use
When you’re busy all the time and the money still doesn’t seem to add up.
Time
10 min

The prompt

I work for myself as in and charge . I want to know whether that rate adds up to a living. I need to take home about after tax, and my yearly business costs are roughly . Ask me up to four questions, one at a time, about the hours I really bill, time off, and unpaid work such as admin and finding clients. Then show the math in a short table: what I earn per hour once unpaid time is counted, the minimum rate my numbers require, and the gap between that and what I charge. Treat tax as a rough placeholder, say what percentage you assumed, and remind me to confirm it with an accountant. List every other assumption.

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