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.

If the rate still feels weird, the next place to look is billable capacity. The Billable Hours Calculator exists to separate your actual invoiceable hours from the heroic nonsense your calendar never agreed to.

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.

Pressure-test capacity

Check how many hours are actually billable after admin, sales, meetings, and time off stop pretending to be optional.

Guides

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