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What Should I Charge? β€” Palette & Blueprint
You've got the skills. Now let's build the business. β†’
Palette & Blueprint

Free Rate Calculator

WHAT SHOULD I
ACTUALLY CHARGE?

Move the sliders to find your minimum hourly rate based on your real income goal, your actual billable hours, and the time no one sees.

Your Numbers
Annual income goal €24 000

Your desired after-tax take-home. If you are unsure, add your estimated tax rate on top of your goal before entering it here.

Annual business costs €3 000

Software, courses, insurance, marketing…

Billable hours per week 15 hrs

Client-facing, paid work only  ·  assumes 46 working weeks per year

Invisible time buffer 30%

Admin, emails, revisions β€” the hours that don't get billed

Estimated tax rate 25%

Your calculator will gross up your income goal automatically so tax is already built into your rate

Value margin 0%

Add a premium for your expertise, vision, and the results you deliver β€” not just your time

Effective hrs / yr 507
Your minimum rate €53
Annual revenue needed €27k
This is your floor, not your ceiling. The right clients will pay more than this… but you need to know your number first.

Free Download

Interior Designer StartUP Bundle mockup

WANT THE FULL FORMULA
& 7 PRICING MODELS?

The Real-Talk Pricing Starter Kit walks you through every pricing structure, gives you scripts for when clients push back, and helps you stop guessing.

Get the Free StartUP Bundle
This calculator is for guidance only. Results are estimates based on the numbers you enter and do not account for taxes, platform fees, or individual business circumstances. Always consult a financial professional for personalised advice.
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