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Freelancer Rate Calculator for Government — 2026

Government contractors often bill $75-$175/hr through GSA schedules or agency contracts. Security clearances (Secret, TS/SCI) can significantly increase your market rate. Include clearance maintenance costs in your annual expenses.

Rough estimates for illustration; actual figures vary. Check with your accountant or local data.

Target Annual Take-Home Income ($)

Billable Hours/Year

PTO Days/Year

Business Expenses/Year ($)

Health Insurance/Year ($)

Retirement Contribution (%)

Desired Profit Margin (%)

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