Built for independent contractors & consultants who bill by the day

Know the minimum day rate that actually covers you.

See your real minimum rate, how many months of runway you have, and how a rate increase changes your timeline.

Get the planner — €29
One-time €29 · checkout and instant access through Gumroad · no subscriptionLess than 30 minutes of billable time at a €500 day rate.

Founding version. Clear assumptions, editable comparisons, a private PDF summary and a one-page brief for client conversations. No financial data is saved.

Worked exampleExample contractor
  • Personal spending€24,000
  • Business costs€9,000
  • Annual savings goal€12,000
  • Billable days185
  • Tax reserve35%
  • Safety buffer15%
Current rate€500/day
Rate needed€430/day
Your margin+€70/day

At €500/day you have 9 months of runway with no contract.

Your savings target is 7.8 years away.

Raise your rate 10% to €550 and pull your goal about 14 months closer.

See your numbers — €29One-time payment. No subscription.
Use it whenpricing a new contract, renewal or planned gap
Replaceguesswork and a spreadsheet you have to build and check yourself
Leave witha minimum day rate, months of runway without a contract and clear comparisons

The decision it improves

Your day rate only makes sense after the days you cannot bill.

Generic calculators assume you can bill around 220 days. This planner subtracts holidays, admin, training and expected gaps between contracts, then includes business costs, money set aside for tax, personal spending and your savings goal.

One-time €29

What you receive

  • The full editable browser calculator
  • Comparisons for higher rates, longer gaps and a bad-case scenario
  • A private PDF summary of your decision
  • A one-page brief for discussing your rate with a client
Stop building and checking the spreadsheet yourself.

At a €500 day rate, €29 is less than 30 minutes of billable time.
One underpriced day costs far more than the planner.

Every day you keep doing it the hard way, you’re silently burning the hours you’re trying to protect.

Skip the spreadsheet. Protect the minutes that actually pay you.

Get the planner — €29One-time payment · instant access · no subscription.
Your figures stay in your browser.Planning tool, not tax or investment advice.

Before you buy

Four honest answers

Can I build this in a spreadsheet?

Yes. Buy this if you prefer a ready-made, checked model instead of building and verifying your own.

Will it calculate my exact tax?

No. You choose how much to set aside for tax. Exact tax, social security and cross-border questions still need qualified advice.

Will my figures be stored?

No. Everything stays in your browser. Only anonymous usage data is recorded.

What happens after payment?

You get immediate access to the full calculator. One-time payment, no subscription.

Founding version

Know your minimum day rate before the next contract decision.

One-time €29. Immediate browser access. No subscription.

Get the planner — €29Checkout and instant access through Gumroad. Your figures stay in your browser.