Rate Shield Calculator

Calculate your TRUE minimum rate. Stop undercharging by accounting for taxes, fees, and unbillable time.

✓ FREE TOOL

Most freelancers say: "I want ₱50k/month, so I'll divide that by 160 hours = ₱312/hour."

This is dangerous. It ignores taxes, transaction fees, overhead, and unbillable time (admin, marketing, sick days).

Target Net Income (Take-Home Pay) *

The amount you want to actually keep each month (after taxes and fees)

Monthly Business Expenses

Internet, software subscriptions, hardware depreciation, workspace

Quick-add typical Filipino freelancer expenses to your calculation:

Scenario: Wants ₱60k take-home, ₱5k expenses

Step 1: Total Need = ₱60,000 + ₱5,000 = ₱65,000

Step 2: Gross Revenue = ₱65,000 × 1.10 = ₱71,500

Step 3: Real Hours = 20 days × 8 hours × 0.60 = 96 hours

Result: ₱71,500 ÷ 96 = ₱744.79/hour