Most freelancers undercharge because they quote based on what sounds reasonable — not on what they actually need to take home. Self-employed income is subject to both income tax and CPP contributions, and you don't bill every hour you work. This calculator works backwards from your target take-home to the rate you need to charge.
Based on 2026 federal and provincial tax brackets and CRA CPP rules. Ontario and British Columbia supported. Excludes GST/HST, EI, and provincial health premiums. Not tax advice.
Your income goal & working pattern
Province
Income goal
The amount you want to actually keep after paying income tax, CPP, and business expenses.
Working pattern
Hours you actually bill clients each week. Most freelancers bill far fewer hours than they work — admin, sales, and breaks aren’t billable.
Leaves room for vacation, holidays, and sick time. 46 weeks allows ~6 weeks off.
Expenses
Deductible business costs: software, phone, home office, equipment, etc. Use the Expense Calculator to estimate this.
In Quebec? Quebec has its own tax system (QPP instead of CPP, separate provincial return). Use a Quebec-specific tool instead.
Required hourly rate
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Rate calculation
Annual billable hours
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Gross income needed
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Income breakdown
Gross income
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Minus business expenses
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Net business income
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Federal income tax
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Provincial income tax
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Self-employed CPP
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Estimated take-home
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Estimate only — 2026 federal and provincial rates, Ontario and British Columbia. Excludes GST/HST, Employment Insurance, RRSP deductions, provincial health premiums, and surtaxes. Assumes sole proprietor with no other income. Not tax advice.