# Paycheck & Freelance Calc > Slug: `toss` · Platforms: **Android & iOS** · Category: Finance ## Meta - Title: Freelance Rate & Paycheck Calculator App — Day Rate, 1099 Tax & 2,000+ Free Tools - Tagline: Freelance rate, day rate, paycheck, 1099 tax, invoice due date, mortgage, tax & 2,000+ free calculators. No signup. Opened tools work offline. ## Short description Freelance Rate: Paycheck Calc — day rate, freelance rate, take-home pay, 1099 tax, invoice due dates, mortgage & 2,000+ free calculators. No signup; opened tools work offline. ## Long description Paycheck & Freelance Calc is the free calculator app that covers what the others skip: your real take-home pay across the US, UK, India, and Australia; freelance day rates and project pricing; invoice due dates and Net 30 reminders; mortgage, loan, and tax math; plus BMI, age, percentage, currency, tip, and 2,000+ more tools. One app, no signup, no paywall, no subscription. Tools you have opened keep working offline. 32 languages. Built by a small team that ships new tools weekly. ## Official URLs - Landing: https://apps.teamzlab.com/toss/ - Google Play: https://play.google.com/store/apps/details?id=com.teamz.toss.toss - App Store: https://apps.apple.com/us/app/id6739454718 - Android package: `com.teamz.toss.toss` ## SEO keywords - freelance rate calculator - freelance salary calculator - freelance hourly rate calculator - late fee calculator - self employed hourly rate calculator - freelance income calculator ## Hero - Headline: Freelance Rate, Day Rate & Paycheck Calculator — Plus 2,000+ Free Tools - Subheadline: Freelance rate, day rate, paycheck estimator, 1099 tax, invoice due date, mortgage & 2,000+ more calculators in one app. No signup, no paywall; opened tools work offline. 32 languages. - Primary CTA: Install on Google Play - App Store CTA: Install on App Store - Secondary CTA: See what is inside ## Screenshot captions - screenshots/1.jpg: Your real take-home pay in 5 seconds — US, UK, India, Australia paycheck calculator - screenshots/2.jpg: Set your freelance rate without guessing — day rate, project pricing, invoices - screenshots/3.jpg: Plan your mortgage, loan, and refinance — affordability + monthly payment - screenshots/4.jpg: 2,000+ tools. One app. No paywall — tax, BMI, currency, percentage & more - screenshots/5.jpg: Pin your top tools. Compare offers side by side ## Feature blocks ### Paycheck & take-home pay (US, UK, IN, AU) Real take-home pay calculator for the US, UK, India, Australia and Canada. Hourly-to-salary converter, salary increase, contractor vs employee, notice period, gratuity & leave encashment — payroll math without guessing. ### Freelance rate & day rate calculator Set a defensible day rate, project price, or retainer. Factor tax, unpaid time, expenses and target income. Stop underpricing gigs. ### Invoice due date & Net 30 Invoice due date calculator, Net 30 tracker, late fee calculator, and a one-tap invoice generator. Chase fewer payments. ### Mortgage, loan & refinance Mortgage calculator with affordability + monthly payment, amortization, refinance break-even, rent vs buy, and compound interest. ### Tax calculators (US, UK, IN, AU, CA) + VAT & GST Country-aware tax calculators plus VAT, GST, and HST. Clean inputs, clear totals. Works offline once loaded. ### Retirement planner Retirement calculator with savings goal, monthly contribution, and realistic projection — on track or need to save more. ### Everyday calculators BMI calculator, age calculator, percentage calculator, tip calculator, date difference — the quick math you reach for daily. ### Live currency converter Currency converter with live rates across 150+ currencies. Works offline with last-known rates when you are travelling. ### Opened tools work offline + 32 languages Tools you have opened once usually keep working offline from the app's cache; a tool you have never opened needs a connection the first time. The app is translated into 32 languages for travel and work abroad. ### Free, no signup, no paywall 100% free to use. No account, no email, no subscription, no premium wall blocking the calculator you need. Supported by ads. ## How it works ### Step 1: Search 2,000+ tools Open the app and type what you need — “paycheck”, “day rate”, “mortgage”, “BMI” — the searchable home screen jumps straight to the right calculator. ### Step 2: Enter your numbers Each tool opens its own input screen. Pick country, currency, or presets where it matters. ### Step 3: Pin, compare, share Pin the tools you use most to favourites, jump back in from recent tools, compare two job offers side by side, and share the result. ## FAQ ### Q: What is the best paycheck calculator app? Paycheck & Freelance Calc gives you real take-home pay across the US, UK, India, Australia and Canada in one app — with country, state or province options, pre-tax deductions, and pay-frequency choices. Free, no signup, no paywall. Tools you have opened keep working offline. ### Q: How do I calculate my real take-home pay on my phone? Open Paycheck & Freelance Calc, tap the paycheck calculator, pick your country, enter gross pay and pay frequency, and add deductions (retirement, health, pre-tax). You get net take-home per pay period, monthly, and annual — with a breakdown of tax, social security, and employer contributions where relevant. ### Q: Is there a free freelance rate calculator? Yes. Paycheck & Freelance Calc includes a freelance rate calculator, a day rate calculator, project pricing, and a retainer calculator. Enter target income, billable hours, vacation, and business costs — it works out the rate you need to charge to actually hit your goal. ### Q: How do I calculate my day rate as a freelancer or contractor? Use the day rate calculator: enter the rate or salary you know, your hours per day, days per week, working weeks per year, and your self-employed overheads as a percentage. It returns hourly, day, weekly, monthly and annual equivalents, the salary your rate is worth after overheads, and the day rate you would need to match a salary. ### Q: How much should I charge as a freelancer? Work backwards from what you need to keep, not from your old salary. Add your business overhead to your target income, gross it up for tax, then divide by the days you can actually bill — after vacation, sick days, and the admin/sales time nobody pays for. A $90,000 target is not $43/hour (salary ÷ 2,080); once overhead, unpaid time, and US self-employment tax are in, it lands near $74/hour or about $589/day. The freelance rate calculator runs that chain for you from five inputs: target take-home, business expenses, effective tax rate, billable hours per week, and weeks off. ### Q: How do I convert a salary into a freelance hourly rate? Dividing salary by 2,080 hours is the mistake that underprices most first-year freelancers — it assumes every working hour is billable and that an employer is still paying your tax, insurance, software, and holidays. Use the day rate calculator instead: enter the salary, your working pattern and your self-employed overheads, and it returns the day rate you would need to match it. The freelance rate calculator does the same from a target income, your effective tax rate and the hours you can actually bill. ### Q: Does the freelance rate calculator account for tax and unpaid time? Yes — that is the whole point of it. You enter your effective tax rate, business expenses, billable hours per week and weeks off, so the rate it returns is what you must charge to actually reach your target, not what your target divided by 2,080 hours looks like on paper. It also shows how far the naive rate would underprice you. ### Q: Is there a freelancer salary calculator? Yes — the day rate calculator works in both directions. Enter your day rate and working pattern and it returns the salary equivalent after your self-employed overheads; enter a salary and it returns the day rate you would need to match it. The contractor vs employee calculator then compares the full yearly cost of each arrangement. Free, no signup. ### Q: What salary does my freelance rate actually equal? Less than the billings, because the rate is gross and the salary is not. A $500 day rate over 188 genuinely billable days is $94,000 of billings, but after $6,000 of overhead and self-employment tax (15.3% on 92.35% of net earnings, about 14.13% of profit) it is $75,566 before income tax — an $18,434 gap. And $75,566 of freelance money is still not a $75,566 salary, because health cover, pension, and paid time off now come out of it. The day rate calculator gives the salary equivalent after overheads; the contractor vs employee calculator compares the full yearly cost of each arrangement. ### Q: What is an invoice due date calculator? An invoice due date calculator adds your payment terms (Net 7 to Net 90, or a custom number of days) to the invoice date and returns the exact due date, the days until it is due, and a suggested reminder date. Paycheck & Freelance Calc also has a late fee calculator, an early payment discount calculator for terms like 2/10 Net 30, and a simple invoice generator. ### Q: How does Net 30 work? Net 30 means the invoice is due 30 days from the invoice date. Paycheck & Freelance Calc includes a Net 30 calculator with a reminder date and an overdue follow-up date, an invoice due date calculator for Net 7 to Net 90 or custom terms, and an early payment discount calculator for terms like 2/10 Net 30. ### Q: How do I calculate hourly to salary (or salary to hourly)? The hourly-to-salary calculator takes your hourly rate, hours per week and weeks per year, and returns annual, monthly, biweekly, weekly and daily pay; a separate salary-to-hourly calculator goes the other way. Useful when comparing a contract gig to a full-time offer. ### Q: How do I compare two job offers? The offer comparison calculator lines up two offers side by side: salary, bonus, the yearly value of benefits, and monthly commute cost. It converts each to total compensation and names the stronger package — not just the bigger base. ### Q: Contractor vs employee — which pays more? The contractor vs employee calculator compares the full yearly cost of an employee (salary, employer taxes and contributions, benefits, equipment) with a contractor at an hourly rate, and gives the break-even contractor rate. For your own rate-to-salary maths, the day rate calculator converts in both directions. ### Q: Is there a notice period calculator? Yes. Enter your resignation date and the notice period in your contract, choose whether to count calendar days or business days, and the notice period calculator returns your last working day. ### Q: How do I calculate leave encashment or gratuity? Paycheck & Freelance Calc includes a leave encashment calculator and gratuity calculators, including India- and UAE-specific versions. Enter basic salary, service years, and unused leave — it returns the amount under the local formula. ### Q: How do I calculate a late fee on an unpaid invoice? Use the late fee calculator: enter the invoice amount, due date, today’s date, and your late-fee policy (flat fee, monthly percentage or daily percentage). You get the days overdue, the late fee and the total amount due — ready to add to a reminder email. ### Q: How do I calculate a salary increase or raise? The salary increase calculator shows the new annual, monthly, and per-pay-period numbers for any percentage raise, along with the before-tax delta and post-tax take-home change. Useful before a performance review. ### Q: Can I calculate a mortgage payment and affordability? Yes. The mortgage tools cover affordability (max price from income, debt and down payment), monthly payment, amortization, refinance break-even, and rent vs buy. ### Q: Is there a loan calculator and compound interest calculator? Yes — loan calculators cover personal, car and student loans. The compound interest calculator supports monthly, quarterly, semi-annual and annual compounding for savings and investments, with monthly contributions. ### Q: Does the app calculate tax for my country? Paycheck & Freelance Calc has country-aware tax calculators for the US, UK, India, Australia, and Canada, plus VAT and GST calculators for several countries including India, Ireland and New Zealand. Tools you have opened keep working offline. ### Q: Is there a BMI calculator, age calculator, and percentage calculator? Yes. Tap the BMI calculator (metric or imperial), age calculator (down to days and hours), and percentage calculator (increase, decrease, of, off) — each with clear inputs and instant results. ### Q: Does the currency converter work offline? Live rates update whenever you have a connection. Offline, the currency converter falls back to the last-known rates — good enough for day-to-day travel math until you are back online. ### Q: Does Paycheck & Freelance Calc really work offline? Tools you have opened once usually keep working offline from the app's cache; a tool you have never opened needs a connection the first time, and live currency rates need one to refresh. ### Q: Is Paycheck & Freelance Calc really free? 100% free. No paywall, no subscription, no “unlock pro” nag blocking the calculator you opened the app for. The app is supported by ads, which keeps every tool free forever. ### Q: Do I need an account or phone number? No. There is no signup, no email, no phone number, no password. Open the app and use any of the 2,000+ tools immediately. Favourites and recent tools are kept on the device. ### Q: How is this different from a generic calculator or toolbox app? Most “toolbox” apps ship a basic calculator and a few converters. Paycheck & Freelance Calc leads with the tools that actually change money decisions — paycheck, freelance rate, invoice due date, mortgage, tax — with country-aware inputs, and still carries 2,000+ quick utilities for the rare things you reach for once. ## Privacy (from content source) ### Data safety We collect minimal anonymized usage and crash reports to improve the app. Ads are served by AdMob and may use standard ad identifiers. We do not sell your personal data. Calculator inputs stay on your device. ### Permissions The app requests only the permissions needed for core features (e.g. network for tools, live currency rates and ads, local storage for favourites and recent tools, optional notifications). You stay in control. ### Policy URL https://teamzlab.com/privacy-policy ## Store / monetization (from content; verify on store) - Price: free - In-app purchases: false - Rating (content): 4.8 - Review count (content): 9 ## Changelog (from content) ### 2.1.0 (2026-04-23) - New name: Paycheck & Freelance Calculator — a cleaner, tool-first home screen - 2,000+ free calculators now searchable: paycheck, mortgage, loan, tax, BMI, currency, invoice due date & more - Fresh app icon - Works offline for core calculators - 41 languages ## Built by Teamz Lab Paycheck & Freelance Calc was designed and built by Teamz Lab. Need a custom Flutter app or a calculator suite for your brand? Hire us on Upwork. --- ## Landing page body (full markdown below the fold on site) ## The free calculator app that covers real money — not just basic math Most “all-in-one calculator” apps ship a basic calculator and a pile of converters you will never open. **Paycheck & Freelance Calc** is built around the math that actually changes decisions: your **real take-home pay**, a defensible **freelance day rate**, the **invoice due date** for Net 30, whether a mortgage is affordable, and whether that second job offer really pays more. 2,000+ tools live in one searchable home screen, so the rare one-off (percentage, tip, date difference, BMI, currency) is one tap away too. **Free, no signup, no paywall. 32 languages. Opened tools work offline.** --- ## Paycheck calculator across US, UK, India & Australia Most paycheck calculators break the moment you cross a border. Paycheck & Freelance Calc ships **country-aware paycheck calculators** for US, UK, India, and Australia — with state or province options where it matters, pre-tax deductions (401(k)/pension, health, HSA, super), and hourly-to-salary conversion. Enter gross pay and get net **take-home per pay period, monthly, and annual**, plus a breakdown of tax, social security/NI/PF, and employer contributions. Related payroll tools built in: - **Take-home pay calculator** — what you actually keep after tax and deductions - **Hourly to salary calculator** — compare a contract gig to a full-time offer - **Salary increase calculator** — before/after numbers for any raise % - **Offer comparison calculator** — two offers side by side, total-comp aware - **Contractor vs employee calculator** — the full yearly cost of an employee against a contractor, with the break-even rate - **Notice period calculator, gratuity calculator, leave encashment calculator** — for India, MENA, and UK contracts If you have ever searched for a **best paycheck calculator app** or a **take home pay calculator** that does not hide the math behind a subscription, this is it. --- ## Freelance rate, day rate & project pricing — stop underpricing gigs The **freelance rate calculator** is the tool most generic calculator apps do not have — and the one that pays for itself the first time you use it. Enter **target take-home income**, business expenses, your effective tax rate, billable hours per week and weeks off. It returns the **minimum hourly rate and a day rate** you need to charge to actually hit your goal — and shows how far the naive salary ÷ 2,080 rate would underprice you. Everything a freelancer or consultant needs on one home screen: - **Freelance rate calculator** and **day rate calculator** (target-income based) - **Project pricing calculator** — scope, hours, risk buffer, profit margin - **Retainer calculator** — monthly retainer that covers your desk minimum - **Invoice due date calculator** and **Net 30 calculator** — Net 7 to Net 90 or custom days, with a suggested reminder date; an **early payment discount calculator** for terms like 2/10 Net 30 - **Late fee calculator** — flat fee, monthly % or daily % - **Invoice generator** — simple, shareable, no signup No sign-up, no team plan, no hidden export paywall — just the numbers. --- ## How much should you charge as a freelancer? The math, worked through Almost every underpriced freelancer makes the same arithmetic mistake: they take the salary they used to earn and divide it by 2,080 hours. That number assumes an employer is still paying for your holidays, your sick days, your software, your insurance, and half your payroll tax — and that every hour you work is an hour somebody pays for. None of that is true once you go freelance. Here is the chain a freelance rate calculator actually runs, with numbers you can check: 1. **Start with target income, not your old salary.** Say you want to clear **$90,000** a year. 2. **Add overhead.** Software, accounting, insurance, hardware, a phone line — call it **$6,000**. 3. **Gross up for self-employment tax.** In the US, SE tax is 15.3% charged on 92.35% of net earnings — about **14.13%** of profit. To keep $90,000 after it, you have to earn **$104,809** ($90,000 ÷ 0.8587). Add the overhead and you must bill **$110,809**. 4. **Count the days you can really bill.** 52 weeks minus 4 weeks off and a week of sick days is 47 weeks — 235 working days. Take out roughly 20% for admin, quoting, invoicing, and chasing leads and you have about **188 billable days**, or 1,504 billable hours. 5. **Divide.** $110,809 ÷ 188 = **~$589 a day**. $110,809 ÷ 1,504 = **~$74 an hour**. So the same $90,000 that looked like **$43 an hour** on the naive salary ÷ 2,080 maths is really a **$74/hour, $589/day** freelance rate — before federal, state, or income tax, which is a separate calculation again. That 70% gap is the entire reason freelancers who quote from their old salary end up working more for less. Change any one input — a lower overhead, six weeks off instead of five, 30% admin time instead of 20% — and the rate moves. That is what the **freelance rate calculator**, **day rate calculator**, **project pricing calculator**, and **contractor vs employee calculator** in the app are for: you enter target income, billable hours, time off, and overhead, and it returns the rate rather than making you rebuild this chain in a spreadsheet every time a client asks. Prefer not to install anything? The same calculators run in a browser at [Teamz Lab Tools](/teamz-lab-tools/) — 2,500+ free tools, no account, no daily cap. --- ## Freelance salary calculator: what your rate is actually worth as a salary The rate question has a mirror image, and it is the one people ask at tax time or when a full-time offer lands: **I charge X a day — what salary is that?** Running it forward is easy and wrong; the number you bill is not the number you keep. Take the $500/day freelancer, using the same working year as above — 188 genuinely billable days after holiday, sick days, and the fifth of the year that goes on admin, quoting, and chasing invoices: 1. **Gross billings.** $500 × 188 = **$94,000**. This is the figure most people quote, and it is the one that flatters. 2. **Subtract overhead.** Software, accounting, insurance, hardware, phone — $6,000 — leaves **$88,000** of profit. 3. **Subtract self-employment tax.** 15.3% on 92.35% of net earnings is about 14.13% of profit: **$12,434**. 4. **What is left before income tax: $75,566.** So a $500 day rate is **$75,566**, not $94,000 — a **$18,434 gap** between the rate you quote and the money income tax is calculated on. And $75,566 of freelance money still is not the same as a $75,566 salary. Out of it you buy the things an employer used to pay for silently, and you do not get paid for days you do not work. That second half is what the **contractor vs employee calculator** is for: it lines up the full yearly cost of a salaried role — salary, employer taxes, benefits, equipment — against a contractor at an hourly rate, and gives the break-even rate, so you can answer *should I take the job* with a number instead of a feeling. Three ways to run it in the app, depending on which direction you are going: - **Rate to salary** — the **day rate calculator**: enter your day rate and working pattern, get the salary equivalent after your self-employed overheads - **Salary to rate** — the same tool in reverse, plus the **freelance rate calculator** when you are starting from a target income - **Hour to year** — the **hourly to salary calculator** (and salary to hourly) for annual, monthly, biweekly, weekly and daily views of any rate Change the billable days and the answer moves more than changing the rate does. That is usually the finding people did not expect. --- ## Mortgage, loan, tax & retirement — the big decisions Paycheck & Freelance Calc carries the money tools people usually download a separate single-purpose app for: - **Mortgage calculator** — affordability (max price from income + debt), monthly payment, amortization schedule - **Refinance break-even** and **rent vs buy** — when does the cheaper rate or the buy decision actually pay off - **Loan calculator** — personal, auto, student; APR, total interest, amortization - **Compound interest calculator** — monthly, quarterly, semi-annual or annual compounding for savings and investments - **Retirement calculator** — savings goal, contribution, realistic projection - **Tax calculator** — US, UK, India, Australia, Canada; federal + state/provincial; plus **VAT calculator** and **GST calculator** for EU, UK, India, Australia, and New Zealand Run them as often as you like with different numbers, and compare before you commit. --- ## Everyday calculators: BMI, age, percentage, tip, currency The 10 quick-math tools you reach for weekly, all in one place: - **BMI calculator** (metric + imperial) - **Age calculator** (years, months, days, hours) - **Percentage calculator** (increase, decrease, of, off, between) - **Tip calculator** (with split by person) - **Currency converter** — live rates across 150+ currencies; falls back to last-known rates offline - **Date difference** — days between, add/subtract, business days - **Unit converter** — length, weight, volume, temperature - **Discount calculator** — final price after multiple discounts and tax Plus ~1,900 more niche tools (health, dev, image, text, shopping, sports, students, housing, crypto) hiding behind the searchable home screen. Need a niche one we do not ship? Email **teamz.lab.contact@gmail.com** — new tools land weekly. --- ## Free, no signup, offline core — and how we keep it that way Paycheck & Freelance Calc is **100% free**. **No paywall, no subscription, no account**. **Tools you have opened once usually keep working offline** from the app's cache; a tool you have never opened needs a connection the first time, and live currency rates need one to refresh. The app is **ad-supported** — standard banner and interstitial ads from AdMob between tools — which is how every calculator stays free for everyone. Your **calculator inputs stay on your device**; we do not sell your personal data. See our [Privacy Policy](https://teamzlab.com/privacy-policy) for details. --- ## How Paycheck & Freelance Calc compares to other calculator apps - **Generic calculator apps** — Calculator₊, Basic Calculator+, Calculator with History. Excellent for arithmetic, limited for **paycheck, freelance, mortgage, tax**. You still download a second app for payroll math. - **Single-purpose apps** — Mint-style paycheck apps, Wave-style invoice apps, Zillow-style mortgage calculators. Often great, but you end up juggling 5–10 apps and 5–10 signups. - **“All-in-one toolbox” apps** — OneCalc, Pocket Toolbox, Fullty, All In 1. Broad breadth, but the paycheck and freelance tools are usually thin or missing country options. **Paycheck & Freelance Calc’s angle:** lead with the **high-intent money tools** (paycheck, freelance rate, invoice, mortgage, tax) with country-aware inputs, **then** carry 2,000+ quick utilities for the rare things you reach for once. One download replaces five. **Bottom line:** If you want a **free calculator app** that handles **real take-home pay, freelance day rates, invoice due dates, mortgages, and tax** in the same place as **BMI, age, percentage, and currency** — install **Paycheck & Freelance Calc** from the buttons on this page. No signup, no paywall, 32 languages.