Freelancer Rate Blog
Pricing strategy, rate negotiation, tax guidance, and financial planning for independent contractors.
The Complete Guide to Setting Your Freelance Rate in 2026
A step-by-step breakdown of every factor that goes into a sustainable freelance rate — from SE tax to profit margin. Includes worked examples for $60K, $100K, and $150K income goals.
Self-Employment Tax: What Freelancers Actually Pay (And How to Reduce It)
The 15.3% rate explained, the 92.35% basis, the half-SE-tax deduction, and legal strategies to reduce your bill through retirement accounts and business structure.
Freelance vs. Employee: The True Hourly Cost Comparison
Why a $100K salary and $100K in freelance revenue are not equivalent. A full cost breakdown showing exactly what you need to earn as a 1099 contractor to match W-2 take-home.
How to Raise Your Freelance Rates Without Losing Clients
The 60-day notice approach, how to frame rate increases as value conversations, which clients to grandfather vs. move to new rates, and when to let clients go.
Health Insurance for Freelancers: Your 2026 Options
ACA marketplace plans, COBRA, spouse plans, healthcare sharing ministries, and freelancer associations — compared by cost, coverage, and deductibility.