Start with the real number — what you need landing in your bank every month, after everything.
After tax. What you need in your account to live and work the way you want.
Pick the bracket that roughly fits. You can always refine later.
Not how you wish you did. Most freelancers bill 4–6 hours out of an 8-hour day — admin, sales, and waiting eat the rest.
Hours a client actually pays for — not total hours at your desk.
Be honest. Five days is rare when you're also selling, billing, and running a business.
Vacation, sick days, quiet weeks between projects. Most people underestimate this.
Every euro you spend running the business is a euro your rate has to cover first.
Software, tools, equipment, phone plan, insurance, co-working space. Add it up — it's usually more than you think.
See exactly how far off you are from what you actually need.