
How to Calculate Your Freelance Hourly Rate in 2026: The Formula That Actually Works
I charged $25/hour my first year and was losing money on every project. Here is the formula I wish I had from day one.
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Practical notes for using Vortenza calculators with cleaner assumptions.

I charged $25/hour my first year and was losing money on every project. Here is the formula I wish I had from day one.

What the 15.3% SE tax actually costs you, how to calculate it without spreadsheets, and the legal moves that bring it down.

My first freelance year I overpaid the IRS by $3,200. Here are the deductions that changed everything.

I subscribed to all three for 90 days. Here is the honest comparison for writers, developers, and freelancers.

Real GPT-5, Claude, Gemini, and DeepSeek API costs for 2026, plus 7 proven ways to cut your bill by 70%.
A practical framework for forecasting token usage, model tiers, and monthly burn.
Marginal rates, effective tax, and what actually changes your take-home pay.
Common conversion pitfalls and when to use exact vs. rounded values.