Hourly Rate Calculator

Most owners under-charge. Plug your real numbers in.

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Inputs

Tools, insurance, software, transport — everything not paid out as your salary.

Receipts

Required hourly rate
Billable hours per year
Gross target after overhead
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2026 US median (rough)

  • Plumber — $95/h
  • Electrician — $85/h
  • HVAC tech — $80/h
  • Designer — $60/h
  • Consultant — $120/h
  • Solo realtor — commission only (this calc doesn’t apply)
How this is calculated
  • billable_hours = (52 − vacation_weeks) × working_hours_per_week
  • gross_target = target_annual_income / (1 − overhead_pct/100)
  • required_hourly = gross_target / billable_hours
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