I kept seeing people ask "how do I set my hourly rate" and the answer was always "divide your income goal by 2,080 hours." That number is wrong, it ignores taxes, non-billable time, and overhead. So I built something that does it properly. You put in your take-home target, tax rate, business expenses, and what percentage of your hours are actually billable. It spits out: - Survival Rate: your absolute floor - Growth Rate: what to charge to also save and reinvest - Per...