Updates live · after tax, costs and your time
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Freelance vs. staff, side by side
A year of each, using the numbers on the left.
How the break-even day rate is built
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Sources & assumptions
Where the rates and defaults come from.
Sources & assumptions
Where the rates and defaults come from.
These are estimates for comparing options, not tax or financial advice. Rates are simplified 2026 figures.
Dig into the weeds
Every other assumption, already filled in. Open a group to change any of them; the verdict updates.