DEV Community: Rex SaaS

Stundensatz Rechner für Freelancer in Deutschland (2026 Ratgeber)

Rex SaaS — Thu, 20 Aug 2026 11:13:46 +0000

Stundensatz Rechner für Freelancer in Deutschland (2026): Steuern, Krankenkasse & Urlaub richtig berechnen

Als Freelancer oder Freiberufler in Deutschland steht man zu Beginn des Jahres oder bei Verhandlungen mit neuen Kunden vor derselben Frage: Wie hoch muss mein Stundensatz oder Tagessatz sein, damit am Ende des Monats genug Netto-Einkommen auf meinem Konto landet?

Wer einfach seinen früheren Angestellten-Bruttolohn durch 160 Stunden teilt, vergisst Einkommensteuer, gesetzliche Krankenversicherung (Krankenkasse), Betriebsausgaben und unbezahlten Urlaub.

In diesem Ratgeber zeigen wir Ihnen die genaue Formel zur Berechnung Ihres Stundensatzes für das Jahr 2026.

1. Die Berechnungsformel für Freiberufler & Selbstständige

Um den erforderlichen Bruttoumsatz zu ermitteln, gilt folgende einfache Finanzformel:

Erforderlicher Bruttoumsatz =

(Wunsch-Nettoeinkommen + Jährliche Betriebsausgaben) / (1 - Effektiver Steuersatz)

Rechnungsbeispiel:

Sie möchten 4.500 € Netto im Monat verdienen (54.000 € / Jahr). Ihre jährlichen Betriebsausgaben (Software-Abos, Hardware, Steuerberater, Büro) betragen 5.000 €. Bei einem geschätzten Steuersatz von 38% (inkl. Einkommensteuer und Krankenversicherung):

Erforderliches Umsatzziel = (54.000 € + 5.000 €) / (1 - 0,38)

= 59.000 € / 0,62

= 95.161 € / Jahr

2. Berechenbare Arbeitstage & Ausfallzeiten in Deutschland

Ein Jahr hat 365 Tage. Nach Abzug von Wochenenden (104 Tage), Feiertagen in Deutschland (~9–13 Tage) und 30 Tagen Urlaub/Krankheit verbleiben etwa 210 Arbeitstage.

Da Sie nicht 100% Ihrer Zeit direkt an Kunden fakturieren können (Akquise, Buchhaltung, Weiterbildung nehmen ca. 20% der Zeit in Anspruch), ergeben sich ca. 168 abrechenbare Tage.

Tagessatz = 95.161 € / 168 Tage ≈ 566 € / Tag

Stundensatz = 566 € / 8 Std. ≈ 71 € / Std.

3. Stundensatz online berechnen

Nutzen Sie den kostenlosen Freelance Pay & Tax Calculator Deutschland, um Ihren Stundensatz auf Basis von Bundesland, Steuerklasse und Branchen-Benchmarks sofort zu berechnen.

Der Rechner bietet:

Automatische Berücksichtigung deutscher Feiertage (Bayern, Berlin, NRW etc.).
Echtzeit-Vergleich mit Markt-Durchschnittssätzen für Entwickler, Designer, Berater und Texter.
PDF-Zusammenfassung für Steuerberater oder Bankgespräche.

Fazit

Kalkulieren Sie Ihre Raten realistisch. Ein gewerblicher Stundensatz ist kein Reingewinn, sondern die Grundlage für Ihre betriebliche Existenz und Altersvorsorge!

Comment Calculer Son TJM Net en 2026 : Le Guide Ultime du Freelance

Rex SaaS — Thu, 20 Aug 2026 11:13:10 +0000

Comment Calculer Son TJM Net en 2026 : Le Guide Ultime du Freelance (Impôts, URSSAF et Frais)

Se lancer en freelance ou ajuster ses tarifs en 2026 est une étape commerciale cruciale. Que vous soyez développeur, designer, consultant ou rédacteur en France, la question reste la même : Quel Tarif Journalier Moyen (TJM) dois-je facturer pour obtenir le salaire net souhaité ?

Beaucoup de freelances débutants commettent l'erreur de diviser leur ancien salaire brut par le nombre de jours ouvrés. C'est le moyen le plus rapide d'être sous-payé.

Dans ce guide pratique, découvrez la méthode exacte pour calculer votre TJM en micro-entreprise ou société, en intégrant vos cotisations URSSAF, votre impôt et vos jours de repos.

1. La Formule Pratique du TJM Freelance

Pour obtenir votre chiffre d'affaires cible, appliquez cette règle simple :

Chiffre d'Affaires Cible =
(Revenu Net Souhaité + Dépenses Pro Annuelles) / (1 - Taux de Cotisations & Impôts)

Exemple Concret :

Si vous souhaitez percevoir 4 000 € net par mois (48 000 € / an) et que vos frais professionnels s'élèvent à 3 000 € / an (logiciels, ordinateur, mutuelle, comptabilité) avec un taux global de cotisations URSSAF et impôt de 23% :

Objectif Chiffre d'Affaires = (48 000 € + 3 000 €) / (1 - 0,23)

= 51 000 € / 0,77

= 66 233 € / an

2. Prendre en Compte les Jours Non Facturables

Une année compte 365 jours, mais vous ne pouvez pas facturer 365 jours à vos clients !

Week-ends : 104 jours
Jours Fériés en France : 11 jours
Congés Payés (5 semaines) : 25 jours
Formations & Administration : 5 jours

Jours travaillés réels = 365 - (104 + 11 + 25 + 5) = 220 jours

Avec un taux de temps facturable moyen de 80% (le reste étant consacré à la prospection et la gestion) :

Jours facturables réels = 220 × 0,80 = 176 jours

TJM Conseillé = 66 233 € / 176 jours = 376 € / jour

3. Simulez Votre TJM en 1 Clic

Pour calculer votre tarif sans feuille de calcul et comparer votre TJM aux tarifs moyens du marché français (Débutant, Intermédiaire, Sénior), vous pouvez tester le calculateur gratuit Freelance Pay & Tax Calculator France.

Cet outil intègre directement :

Les taux de cotisations URSSAF BNC et BIC.
Les jours fériés français mis à jour.
Un générateur de devis et d'e-mails de prospection pour vos clients.

Conclusion

Ne sous-évaluez jamais vos prestations. Facturer le bon TJM vous permet d'investir dans votre matériel, de constituer votre épargne de sécurité et de pérenniser votre activité !

How to Convert W2 Salary to a 1099 Freelance Rate (2026 Blueprint)

Rex SaaS — Thu, 20 Aug 2026 11:13:06 +0000

How to Convert W2 Salary to a 1099 Freelance Hourly Rate (The 2026 Tax & Overhead Formula)

Transitioning from a full-time W2 employee to an independent 1099 contractor (or UK Sole Trader) is one of the most rewarding career moves you can make. However, the biggest mistake new freelancers make is applying their former employee hourly wage directly to client invoices.

As an independent contractor, you are responsible for 100% of self-employment taxes, health insurance, software overhead, and unpaid time off (vacations, sick leave, public holidays).

Here is the exact blueprint to convert any full-time salary into a billable freelance rate for 2026.

1. The 30% to 50% Freelance Rate Markup Rule

When you leave full-time employment, your employer is no longer covering:

Employer FICA Taxes: 7.65% (US) or Employer National Insurance (UK).
Health & Dental Insurance: $5,000 – $10,000 / year.
Paid Time Off (PTO): 20 to 30 paid days off per year.
Equipment & SaaS Tools: $3,000 – $6,000 / year.

To maintain an equivalent $85,000 W2 salary, your minimum gross freelance billing target must be $128,000+ per year.

2. The Billable Hours Math Formula

Gross Revenue Target =

(Target Net Take-Home + Annual Overhead) / (1 - Effective Tax Rate)

Required Hourly Rate =

Gross Revenue Target / Net Billable Hours

Real-World Example:

Net Salary Goal: $85,000
Annual Expenses: $5,000
Effective Combined Tax Rate: 30%
Net Billable Hours: 1,200 hours / year (accounting for 75% billable efficiency)

Gross Revenue Target = ($85,000 + $5,000) / 0.70 = $128,571 / year

Required Hourly Rate = $128,571 / 1,200 hours = $107.14 / hr

3. Calculate Your Custom Rate Instantly

To skip manual spreadsheet calculations and see real-world rate benchmarks for your specific profession (Software Developer, AI Engineer, UX Designer, SEO Specialist), test the free Freelance Pay & Tax Calculator.

Features:

Multi-currency support (USD, EUR, GBP, AED, INR, RUB, CNY).
Built-in Project Quote Builder with scope-creep safety buffer toggles.
PDF Summary exporter for accounting records.

Final Thoughts

Never bill like an employee when operating as a business. Set your rates to cover taxes, overhead, and growth!

Freelance Contract vs. Permanent Salary: How to Calculate the True Value

Rex SaaS — Mon, 17 Aug 2026 10:09:07 +0000

When comparing a permanent corporate salary offer to an independent freelance day rate or hourly contract, most professionals make a major mathematical error. They simply multiply the hourly contract rate by 2,000 hours and compare the two totals directly.

This comparison is highly misleading because salaried employees receive benefits, paid time off, and employer-matching retirement and healthcare contributions that freelancers must fund entirely out of pocket.

The True Cost of Freelancing

As a freelancer, you must cover:

Unpaid Vacation & Holidays: Approximately 25 to 30 days a year where you earn $0.
Self-Employment Taxes & Social Contributions: For example, FICA taxes in the US, National Insurance in the UK, or health premiums in Germany.
Business Expenses: Laptops, software subscriptions, accounting fees, and workspace rental.

The Conversion Formula

To convert a permanent annual salary into an equivalent freelance rate, use this baseline calculation:

Equivalent Hourly Rate = (Annual Salaried Gross + 25% Benefits Buffer + Business Expenses) / Real Billable Hours

For instance, a $100,000 corporate salary requires a freelance billing rate of approximately $80 to $100 per hour to match the same net take-home and financial security.

To calculate your personal conversion rates instantly, use the free, ad-free Freelance Pay & Tax Calculator. It features built-in tax models and holiday calendars for the US, UK, Germany, France, UAE, India, and other international markets, giving you an exact hourly and day rate comparison in seconds.

5 Common Tax & Pricing Mistakes Freelance Engineers Make

Rex SaaS — Mon, 20 Jul 2026 12:45:34 +0000

When switching from salaried engineering roles to independent contracting, many developers stumble into preventable tax and pricing traps. Here are the top 5 mistakes and how to avoid them.

1. Underestimating Self-Employment Taxes

When employed, your employer pays half of your payroll taxes. As an independent contractor, you pay the full burden.

2. Charging a Flat Rate Without Buffer

Charging flat project rates without accounting for scope creep or unexpected revisions will drastically lower your effective hourly rate.

3. Forgetting Paid Time Off (PTO)

Salaried roles include 2 to 4 weeks of paid vacation. As a freelancer, every day off reduces your revenue unless factored into your baseline billable rate.

4. Billing for 40 Hours a Week

No contractor bills 40 hours a week consistently. Client communication, proposal writing, and admin work take up 10–15 hours weekly.

5. Ignoring Regional Tax Regulations

Whether you operate under US 1099 rules, Germany's Grundfreibetrag, or India's Section 44ADA presumptive taxation scheme, failing to plan for estimated quarterly payments can lead to heavy penalties.

Quick Solution

If you want an accurate breakdown of your required hourly or daily billing rate based on your country's tax rates and billable days, check out the free Freelance Pay & Tax Calculator.

What strategies do you use to calculate your freelance rates? Share your thoughts below!

How to Calculate Your True Freelance Hourly Rate (Taxes & Overhead Included)

Rex SaaS — Mon, 20 Jul 2026 11:38:30 +0000

Transitioning from full-time employment to freelancing or consulting can be a shock when tax season arrives. Most developers make the critical mistake of taking their target annual salary and dividing it by 2,080 hours (40 hours × 52 weeks).

That calculation fails because it ignores three key realities of self-employment:

Self-Employment Taxes: You pay both the employer and employee portions of social security and Medicare (or national equivalents).
Non-Billable Admin Time: 20% to 30% of your week is spent on invoices, sales, emails, and learning.
Unpaid Time Off: Vacation, holidays, and sick days are 100% unfunded.

The Realistic Pricing Formula

To calculate what you should actually charge per hour, use this formula:

Hourly Rate = (Target Net Income + Taxes + Business Expenses) / (Billable Days × Daily Billable Hours)

Key Steps to Price Yourself Correctly

Calculate Target Net Income: How much cash you need in your bank account after all deductions.
Add Business Overhead: Software licenses, hardware depreciation, legal, accounting, and health insurance.
Factor in Regional Taxes: If you are in the US (1099 self-employment tax), UK (sole trader income tax & NI), Germany (Einkommensteuer), or India (Section 44ADA presumptive tax), your tax obligations differ significantly.
Determine True Billable Hours: Most freelancers can realistically only bill 4 to 6 hours per day.

To save time calculating this manually, you can use the free, ad-free Freelance Pay & Tax Calculator. It features built-in tax models and holiday calendars for the US, UK, Germany, France, UAE, India, and other international markets, giving you an exact hourly and day rate in seconds.

Happy freelancing!