How the formula works
Estimated tax = annual gross × country effective rate. Take-home = gross − tax. Monthly net = take-home ÷ 12. The rates are simplified averages for comparison, not personalized filings.
Worked example
$90,000 gross in the US preset (~30%) implies about $27,000 set aside and ~$63,000 take-home, or roughly $5,250 per month. If your real stack is higher, raise the mental buffer before you lock a freelance rate that only works on paper.
FAQ
Are these official tax rates?
No. They are rough effective-rate illustrations for planning conversations. Real liability depends on deductions, filing status, and local rules.
Why does country choice change the result so much?
Effective burdens differ. The calculator swaps a simple percentage so you can see order-of-magnitude differences before you dig into local software or an accountant.
Should freelancers use gross or net goals in the rate tool?
Build your rate from the income you need after taxes and overhead. This take-home view helps sanity-check whether a gross number still funds your life.
Can I model quarterly estimated taxes here?
Not in detail. Divide the annual estimate by four for a rough set-aside reminder, then confirm with proper tax software or a professional.
Feed a realistic net target into the freelance rate calculator.