Every calculator a freelancer needs, in one place.
Plan your income with the 50/30/20 budget, price a project with the pitch calculator, check your SSS / PhilHealth / Pag-IBIG contributions, and keep client time zones straight — no more digging through the footer.
Invoice Generator
Need to bill a client?
Build a professional invoice with BIR-compliant details — no save needed, PDF-ready.
1. Target Monthly Gross Income
2. Freelance Overhead & Statutory Benefits
Freelancing has no HR department — you set aside your own tax, health benefits, and back-up equipment savings yourself.
Your True Net Budget
The 50/30/20 rule is applied to your Take-Home Pay to make sure the funds for taxes and statutory contributions don't run out.
Renta, pagkain, internet, kuryente, load.
Pagkain sa labas, bagong gadgets, hobbies, travel.
Emergency fund (3–6 months), investments, backup computer buffer.
If your 20 hours include 4 hours of meetings and training, your overhead is 20%.
Your Required Rate
₱577
per hour
Billable hours / month
87
Effective earnings (with overhead)
₱50,000
≈ per work day
₱355
≈ USD per hour
$9.95
Real talk: don't set your rate based on this alone — check the market rate for your niche (see the Niches). If the market is higher, you win. If it's lower, you have two options: lower your target or add more billable hours.
Monthly take-home
₱23,317
after ₱1,683 in contributions and tax
Estimate only, for freelance VAs using the 8% BIR flat tax option. Actual amounts vary by registration (TIN, self-employed filing) and updated SSS/PhilHealth rules. Verify with official sources.
Your monthly deductions
SSS (employee 4%)
of the bracketed Monthly Salary Credit
₱1,000
PhilHealth (employee 2.5%)
5% of base split equally, base capped at ₱10,000
₱250
Pag-IBIG (employee 1%)
min ₱20, max ₱100
₱100
BIR income tax (8% flat)
on annual gross above ₱250,000
₱333
Employer share (if employed)
SSS (employer 10%)
₱2,500
PhilHealth (employer 2.5%)
₱250
Pag-IBIG (employer 1%)
₱100
Tip: as a freelancer you pay the full contribution yourself, so add ~10% on top of your target rate to cover SSS, PhilHealth, Pag-IBIG, and tax. That's what the Pitch Calculator is for.
🇵🇭 Philippines Time
Sun, Aug 16, 2026, 09:25 PM
Asia/Manila (PHST — no DST)
🌍 Client Time
Sun, Aug 16, 2026, 09:25 AM
US Eastern (New York) — automatically handles DST
Quick check — for US/UK/AU clients
- 9:00 AM PH = Wed, Dec 31, 2025, 08:00 PM for the client
- 12:00 PM PH = Wed, Dec 31, 2025, 11:00 PM for the client
- 7:00 PM PH = Thu, Jan 01, 2026, 06:00 AM for the client
- 10:00 PM PH = Thu, Jan 01, 2026, 09:00 AM for the client