Step 1
Effective Hourly Rate Calculator
What it gives you: The real hourly rate you earned after unpaid hours and reserves.
Guided path
Fix undercharging
A guided OwnerMath path for solo operators who are busy, tired, and suspiciously not making enough money.
Who it is for
Operators with lots of work, weak margins, and the growing suspicion that "fully booked" is not the same as profitable.
When to use it
Use this after a bad project, a low-cash month, or any week where the calendar looked successful and the bank account disagreed.
Recommended calculator sequence
Step 2
Scope Creep Cost Calculator
What it gives you: The extra unpaid labor and rate collapse hiding inside "small" client requests.
Step 3
Freelance Hourly Rate Calculator
What it gives you: A rebuilt hourly baseline for future work.
Step 4
Revenue Goal Calculator
What it gives you: The revenue target and workload required to make the rebuilt baseline useful.
What to do next
Raise new-work pricing first, tighten scope boundaries, and stop using busy as a substitute for profitable.
OwnerMath is educational planning math, not legal, tax, accounting, or investment advice. For high-stakes decisions, verify assumptions with a qualified professional.