Free calculator
Upwork Freelancer Take-home Calculator
Upwork keeps 10% of your earnings — and tax keeps another 25%+. See your true take-home after both.
Premium: skip the typing. Import a CSV export from Uber, DoorDash, Instacart and more.
These are estimates only. Platform fees, tax rates, mileage deductions and expenses vary significantly by location, time and your specific situation.
For the most accurate picture, update every number from your actual earnings statements. This tool is for educational purposes and is not official tax or financial advice — consult a tax professional when needed.
1Select your platforms
2Your numbers
Upwork10% flat service fee
✏️ Edit to match your real numbers — check your weekly statement.
3Tax location
Self-employment 15.3% + ~14% effective federal/state
✏️ Edit to match your real numbers — your actual effective rate depends on total income, deductions and filing status.
4Unpaid time (prep, commute)
Hours worked that platforms don't pay for
5"What if" — add hours
+0 hrs
Your real take-home
$679.00
After fees, expenses & est. taxes
Your true hourly rate is an estimate. Small changes to fees or expenses can meaningfully impact the result — edit each field to match your real numbers.
True hourly
$30.86/hr
App says $55.00/hr
Profit margin
61.7%
Healthy
- Gross earnings
- $1,100.00
- Platform fees
- −$110.00
- Expenses
- −$20.00
- Est. tax reserve
- −$291.00
- Net after tax
- $679.00
Free up to 5 saves/mo. No card required.
Save this result — free
Don't lose this $30.86/hr calculation.
Create a free account to save this shift, track your true hourly across every gig, and get a free quarterly tax-reserve email — so April never surprises you.
- ✓Save up to 5 shifts a month — free, no card
- ✓Weekly & monthly trend charts across platforms
- ✓Quarterly tax-reserve email reminders
Your shift, in your dashboard
- Net take-home
- $679.00
- True $/hr
- $30.86
- Hours tracked
- 22.0
Without an account, this disappears the moment you close the tab.
Estimates only. Platform fees, tax rates and expenses vary by location and situation. Edit any field to match your real numbers. For tax decisions, consult a tax professional.
What we factor in
- 10% Upwork flat service fee applied
- Add software subs, courses, and gear to expenses
- Self-employment tax reserve included
- Compare with Fiverr or direct clients side-by-side on home calculator
Frequently asked
- What about Upwork Connects?
- Add monthly Connect spend to your expense field — it's a real cost of working on Upwork.
- Is my rate too low?
- If your true hourly comes out under your local cost of living, raise rates or find direct clients.