01 · Context & income target
Gross income means the amount you want available to yourself before personal income tax/social deductions. Personal tax is therefore shown as a planning reserve, not added a second time.
02 · Time & billable capacity
The second slider defines your preferred workload. If you want fewer client days, the sustainable day rate rises accordingly.
03 · Operating expenses
| Item | Amount | Frequency | Amortize | Annualized |
|---|
Annual operating expenses—
Use “One-off / amortized” for computer, camera, lenses, furniture, etc. Example: a 4,000 item over 4 years adds 1,000 per year.
04 · Investments, reserves & safety
Country, region and year are saved as context. This offline file intentionally does not pretend to apply current tax law or public-holiday calendars automatically. Enter applicable holidays and levies yourself.
05 · Client rate reality check
VAT / sales tax should normally be added on top of the calculated rate, not absorbed into it.