ratecard

Rate Calculator & Profitability Analyzer for Freelancers

Reverse-calculate your optimal hourly rate. Judge fixed-bid projects.
Compare billing models. Simulate annual income. Zero API. Offline-first.

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Features

• calc -- Reverse-calculate hourly rate from target income, expenses, and available time
• judge -- Evaluate whether a fixed-bid project is worth taking at your rate
• compare -- Compare hourly billing vs retainer model with break-even analysis
• breakdown -- Simulate full year income month-by-month with tax and expenses

Installation

pip install ratecard

Or install from source:

git clone https://github.com/izag8216/ratecard.git
cd ratecard
pip install -e .

Quick Start

Calculate Your Rate

ratecard calc --income 8000000 --expenses 1200000 --tax 0.30

Judge a Project

ratecard judge --fixed 500000 --hours 120 --rate 5000

Compare Billing Models

ratecard compare --hourly 5000 --retainer 200000 --hours-month 50

Annual Breakdown

ratecard breakdown --rate 5000 --year 2026 --expenses 1200000 --tax 0.30

Commands

ratecard calc

Reverse-calculate your optimal hourly rate.

Option	Short	Default	Description
--income	-i	required	Target annual net income
--expenses	-e	0	Annual business expenses
--weeks	-w	46	Billable weeks per year
--hours	-h	30	Billable hours per week
--tax	-t	0	Tax rate as decimal (e.g. 0.30)
--buffer	-b	10	Safety buffer percentage

ratecard judge

Evaluate a fixed-bid project against your rate.

Option	Short	Default	Description
--fixed	-f	required	Fixed bid amount
--hours	-h	required	Estimated hours to complete
--rate	-r	required	Your standard hourly rate
--expenses	-e	0	Project-specific expenses

ratecard compare

Compare hourly billing vs monthly retainer.

Option	Short	Default	Description
--hourly	-r	required	Your hourly rate
--retainer	-R	required	Monthly retainer amount
--hours-month	-h	required	Expected monthly hours

ratecard breakdown

Simulate annual income month-by-month.

Option	Short	Default	Description
--rate	-r	required	Your hourly rate
--year	-y	required	Year to simulate
--hours	-h	30	Billable hours per week
--weeks	-w	46	Billable weeks per year
--expenses	-e	0	Annual business expenses
--tax	-t	0	Tax rate as decimal
--months-off	-o	none	Months off (1-12), repeatable

Examples

# Solo dev targeting 5M JPY/year, 1.2M expenses, 30% tax
ratecard calc -i 5000000 -e 1200000 -t 0.30

# Is a 500k project worth it for 120h at your 5000/h rate?
ratecard judge -f 500000 -h 120 -r 5000

# Compare 5000/h vs 200k/mo retainer at 50h/mo
ratecard compare -r 5000 -R 200000 -h 50

# Full 2026 simulation with August off
ratecard breakdown -r 5000 -y 2026 -e 1200000 -t 0.30 -o 8

How It Works

Rate Calculation:

hourly_rate = (target_income + expenses) * buffer / (1 - tax_rate) / (weeks * hours_per_week)

Project Evaluation:

effective_rate = (fixed_price - expenses) / estimated_hours
margin = (effective_rate - your_rate) / your_rate * 100

Model Comparison:

hourly_monthly = hourly_rate * monthly_hours
break_even = retainer / hourly_rate

Development

# Install with dev dependencies
pip install -e ".[dev]"

# Run tests
pytest tests/ -v

# Run with coverage
pytest tests/ --cov=ratecard --cov-report=term-missing

License

MIT License -- see LICENSE for details.

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_{Built with} ratecard _by izag8216