Freelance Break-Even Calculator
Know the minimum you must bill—in money and in hours—to cover your costs each month. Work out your break-even point. 100% in your browser.
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Your Break-Even
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Cost Details
Rent, software, insurance and other recurring monthly costs.
Share of revenue consumed by materials or subcontractors.
Your hourly rate to see break-even as billable hours.
Your Results
Break-even monthly revenue
Minimum revenue to cover all costs.
$2500.00
This calculator provides estimation only. All results are for reference purposes only and do not constitute professional tax, financial, or legal advice. Please consult a qualified professional for official financial decisions.
Know the Minimum You Must Bill to Stay Afloat
Every Freelancer Needs a Break-Even Number
Freelancers often know their monthly bills but not the revenue it takes to cover them. Without a break-even figure, a “busy” month can still be a losing month once costs are counted. This calculator turns your fixed costs into a clear target: the minimum monthly revenue you need just to cover your obligations.
Fixed vs Variable Costs
Break-even separates your costs into two kinds. Fixed costs repeat every month regardless of workload, such as rent, software and insurance. Variable costs grow with each job, such as materials and subcontractor fees. Enter your fixed costs and, optionally, a variable cost rate, and the calculator combines both into a realistic break-even revenue.
Turning Revenue Into Hours
Revenue targets are abstract until you translate them into work. By entering your billable rate, the calculator shows the equivalent break-even hours each month, telling you how many hours you must simply cover costs before you profit. This makes workload planning far more concrete.
How to Use This Calculator
Start with the largest of your fixed monthly costs and sum the rest. Optionally add a variable cost rate if jobs carry materials or subcontractor spend, and a billable rate if you want the answer in hours. The results update live as you type. Use the copy button to keep the figure handy, and treat it as the floor below which your month is running at a loss.
Frequently Asked Questions
Answers to common questions about using this calculator.