Freelance Multi-Client Income Calculator
Calculate total monthly freelance income across multiple clients at different hourly rates and hours.
Returns gross and after-tax net income per month.
Why multi-client income tracking matters:
Most freelancers juggle 2–5 clients simultaneously, each with different hourly rates, weekly hours, and payment schedules. This calculator shows the whole picture: blended rate, monthly income, tax set-aside, and which clients are worth your time.
The formulas:
Client monthly income = Hourly rate × Hours per week × 4.33
Blended hourly rate = Total monthly income / Total monthly hours
Annual projection = Total monthly income × 12
The 4.33 multiplier converts weekly hours to monthly (52 weeks ÷ 12 months = 4.33).
Worked example: freelance web developer with 3 clients:
| Client | Rate | Hours/week | Monthly |
|---|---|---|---|
| Startup A | $85/hr | 15 hrs | $5,521 |
| Agency B | $120/hr | 10 hrs | $5,196 |
| Small biz C | $65/hr | 8 hrs | $2,252 |
| Total | 33 hrs/wk | $12,968 |
Blended rate: $12,968 / (33 × 4.33) = $90.76/hr
Notice that Client C pays $65/hr but fills your schedule. Replace those 8 hours with another $120/hr client and the monthly total goes to $14,874, a raise of $1,905 a month for exactly the same working week. That is the whole case for firing your cheapest client, and it is worth doing the sum rather than guessing: the raise is the rate difference times the hours, not the blended rate times the hours.
Tax is not optional, and it is not small. A US freelancer pays self-employment tax on top of income tax, so 25–35% of gross is a realistic set-aside and 30% is the usual starting point. On $12,968 a month that is $3,891 gone before you have paid rent, leaving $9,078. Enter your own rate above and the calculator shows gross and net side by side, because the gross figure is the one that makes people quit a salaried job and the net figure is the one they actually live on.
Key insights this calculator reveals:
- Your effective hourly rate across all clients, usually lower than you think
- Which clients are underpaying relative to your average
- Whether you have capacity for more work or are overcommitted
- Your annual income projection, gross and after tax
Utilization rate matters: 33 billable hours out of a 40-hour week is 82.5% utilization, which is excellent. Below 60% means too much unpaid admin time, and above 90% usually means you are not billing for admin you are doing anyway.
How we build and check this calculator
This calculator runs entirely in your browser, so the numbers you enter stay on your device. The math behind it is written by hand and tested against worked examples and standard references before the page goes live.
SuperGlobalCalculator is independently built and maintained. See how we build and verify our calculators.