True cost of going independent — 1099 gross equivalence, benefits gap, skills valuation, and floor rate-setting in one workflow. Each step pre-fills the next. Know your number before you leap.
Freelancers pay both sides of FICA (15.3%), must fund their own benefits, and absorb all business expenses. A $100K freelance contract is worth far less than a $100K salary — this step shows exactly how much more you need to charge.
Your employer currently pays a significant share of your benefits. As a freelancer, you absorb 100% of those costs. This step calculates your true benefits gap and what you need to earn just to break even.
What does the market actually pay for your expertise? Your niche, depth, and years of experience multiply your base market rate. We compare your market rate against your break-even floor to reveal your skill premium.
You now have your floor and your market rate. This step builds your negotiation posture: what to anchor with, how far to concede, and a ready-to-use client script.