Freelance Margin is published by BERNASHI LTD. Articles use an organization byline and AI-assisted drafting. We do not present the guides as individualized tax advice or claim that a CPA or other named professional has independently reviewed them.
What we cover
Our focus is freelance pricing and the assumptions behind it: income goals, business expenses, billable capacity, tax reserves, and project scope. A guide should help a reader work through a specific decision rather than simply repeat a keyword.
The calculator uses a cost-based floor. Client value, experience, competition, demand, uncertainty, and contract terms can all affect the final quote. None of our worked examples establishes what a particular freelancer should earn or what a client will pay.
How to read worked examples
Examples are illustrative unless a source is explicitly identified. We show the relevant inputs and distinguish annual revenue, profit before the modeled tax reserve, take-home income, and business expenses. A quoted rate in an example is not an industry average or a recommended tax rate.
The calculator and downloadable reports use the same financial model. Software checks verify identities such as the sum of take-home income, modeled tax reserve, and expenses matching the revenue target. Numbers are calculated at full precision before display rounding. These checks validate the model’s implementation, not a tax return.
Read the full rate calculation method and try the visible calculator examples. Changing the effective tax rate or paid capacity can materially change the result.
Sources and financial limitations
Tax explanations link to relevant IRS resources. Other technical claims use primary sources where available, such as official software documentation. Sources support the surrounding claim; they do not endorse Freelance Margin or its paid product.
For US tax planning, the IRS Self-Employed Individuals Tax Center explains relevant obligations, and IRS Form 1040-ES addresses estimated tax. Our tax reserve guide explains the distinction between setting money aside and determining required payments.
The model does not calculate federal or state tax brackets, filing status, deductions, credits, local tax rules, sales tax, or payment fees. A user-entered effective rate cannot establish an exact personal liability. Confirm decisions requiring tax or legal judgment with a qualified professional.
AI-assisted drafting and publisher responsibility
AI assists with drafting and structuring our guides. We disclose that use so readers can understand how the material was produced. The published organization byline refers to Freelance Margin; it is not a fictitious person or an implied professional credential.
We do not use invented customer results, made-up author qualifications, or hypothetical calculations presented as user case studies. Software tests and cited documents are useful checks, but they are not a substitute for independent professional review.
Publication dates and corrections
Article dates identify publication or a stated substantive update. Adding a link or rebuilding the website does not make an old example newly researched. Laws, official guidance, tools, and fees can change; use the linked primary source to confirm a time-sensitive rule.
If an example appears inconsistent or a link is no longer useful, contact +44 7533 340474 with the article URL, the relevant passage, and any calculation inputs. This gives us enough context to investigate. Do not send private tax documents or full card details.
The paid product and the free guides
Guides may link to our free calculator or the optional pricing kit. The one-time paid kit funds the product; it does not change the model into an exact tax calculation. We do not promise tax savings, a particular income, search placement, or a client outcome.
Read about the publisher, browse the guides, or calculate your own rate.