OwnerMath

Business calculators for people who'd rather be profitable than busy.

Practical business math for freelancers, consultants, creators, and solo operators. Know your numbers before you accidentally build yourself a shitty job.

Start with the flagship tool: the Freelance Hourly Rate Calculator. It accounts for expenses, taxes, savings, unpaid work, and slow months before you send another quote based on optimism and caffeine.

Start with your baseline

Open the Freelance Hourly Rate Calculator first. Every quote, retainer, and revenue target gets less stupid when the baseline is real.

Guides

Read the plain-English formulas behind the calculators without generic finance-blog sludge.