01 · QUOTED€42.86/h
02 · EFFECTIVE€50/h
03 · REAL€27.86/h
Gap between quoted and real: €15/hYou take home 65% of every quoted hour after tax, expenses, and unbilled time.
Free tool
What is your real freelance rate?
Quoted rate is what you put in the contract. Effective rate divides revenue by billable hours only. Real rate is what actually lands in your account, per worked hour. Fill in five numbers and watch all three.
In the product
This math, live, every screen.
This calculator is the same logic Ensaria runs continuously in the top-bar money chip. Set your tax rate and recurring expenses once in Settings, and the real rate updates every time you log a minute of work.
€73/h effective€51/h real+€820 to pace
Earned MTD
€4,180
Pace target
€5,400
Days left
11
How this is calculated
The math, written out
We do three calculations and show you each one separately. Nothing fancy — just the numbers most freelancers do once a year, on a Sunday, with a calculator app and regret.
quoted_rate = gross_monthly / hours_worked
effective_rate = gross_monthly / billable_hours
(billable_hours = hours_worked − unbilled_admin)
take_home = gross_monthly − (gross_monthly × tax_rate) − expenses
real_rate = take_home / hours_worked
rate_gap = quoted_rate − real_rateThe tax rate is a flat percentage you enter. Bracket modelling isn't included on purpose — it varies by country and personal situation enough that any built-in assumption would be wrong for most people.
Ensaria does this every day, automatically.
The money chip on every screen shows your real rate in real time — calculated from tracked hours, project rates, and the expenses you set once in Settings.
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