Freelance rate calculator for Nigeria and the US
Start from the money you need each month and work backwards to an hourly, day and project rate. Switch between Nigeria (naira) and the US (dollars). You enter the exchange rate yourself, so we never guess it.
Free · no sign-up · runs in your browser · nothing you type leaves your device
Your floor rates
These are floors, not market rates. Charge more when the work is worth more to your client.
How to use it
- Choose Nigeria or US. The boxes fill with an example you can overwrite.
- Enter your target monthly take-home pay and your monthly business costs.
- Enter the share of each payment you will set aside for tax and savings. We do not know your tax position, so pick a number you are comfortable with and check it with an accountant.
- Enter the hours you can really bill each week and the weeks of time off you will take a year.
- Optional: type today's exchange rate (naira per 1 US dollar) to see the other currency. Leave it empty to see one currency only.
Frequently asked questions
How is the hourly rate calculated?
Monthly revenue needed = (take-home pay + business costs) divided by (1 minus your set-aside share). Billable hours per month = billable hours per week x weeks worked per year, divided by 12. Hourly rate = revenue needed divided by billable hours.
Why do I have to type the exchange rate?
Rates change every day and differ between banks, apps and markets. We do not fetch or guess a rate, so what you see is based on the rate you choose. Check the real rate on the day you quote.
Is this the rate I should charge?
It is your floor: the lowest rate that covers your costs, your take-home goal and your set-aside. You can charge more when your work is worth more to the client. We do not claim any market rate.
What should I put for the tax set-aside?
It is the share of each payment you keep aside for tax and savings. We do not know your situation, so choose a number you are comfortable with and ask a tax professional.
Is my data sent anywhere?
No. The maths runs in your browser. Nothing you type leaves your device.
Related guides and tools
- How to price your freelance work: hourly, project or retainer (in naira and dollars)
- How to write a freelance proposal and quote that clients say yes to
- Upwork and Fiverr fees: what you really keep, and how to bill your own clients
- All free freelancer tools
- a2lance pricing
These tools are general aids. They do not give tax, legal or financial advice.