annual target ÷ billable days● Australia · AUD · Before tax · Browser-onlyContractor day rate
Contractor day rate
calculator
Work backwards from your annual target to a transparent base, cost-adjusted and risk-adjusted contractor day rate.
✓ No sign-up✓ Browser-based✓ Instant results
A maintenance-free, pre-tax scenario
This calculator uses no tax tables, statutory thresholds, market-rate database or government-rule feed. It does not calculate tax, GST obligations, deductible expenses, employment status or contractor-super obligations.
Model assumptions
- All monetary inputs are gross AUD amounts excluding GST where GST applies.
- Operating costs and retirement provisions are cash-planning inputs only.
- Billable capacity and any risk percentage are selected by you.
- The output is a mathematical scenario—not legal, tax, financial or employment advice.
01 · Your assumptions
Build your target rate
Annual target and provisions
Billable capacity
Refine annual operating costs
Your figures stay in this browser. The calculation runs locally and no income, rate, cost or reserve amount is submitted to Utilaroo.
Transparent arithmeticBase rate Cost-adjusted Risk-adjusted
Start with the annual outcome, then expose every assumption
The base rate recovers the entered income target across the days you expect to bill. The next layers add your operating-cost and retirement provisions, followed by an optional risk percentage selected by you.
(target + costs + retirement provision) ÷ billable days(target + costs + provision + selected risk amount) ÷ billable daysWhat the result cannot tell you
Utilaroo does not know current market pricing for your role, the terms of a particular engagement, your tax position or whether a contracting arrangement is suitable. Use the result to test your own assumptions and obtain appropriate professional input for real decisions.
Questions answered
Contractor day rate calculator FAQ
Does this show the market rate for my profession?
No. It works backwards from your own annual target and assumptions. Utilaroo does not use recruiter, occupation or market-rate data.
Does the calculated rate include GST?
No. Treat the displayed contractor rate as excluding GST where GST applies.
Is the retirement provision a required super amount?
No. It is an optional cash-planning amount entered by you. The calculator does not determine superannuation obligations or entitlements.
Is the risk percentage recommended by Utilaroo?
No. It is an optional scenario assumption. You can leave it blank or test percentages you choose.
Are my income and cost figures uploaded?
No. The calculation runs locally in your browser and does not submit your financial inputs to Utilaroo.
Method, example and limitations
Understand the result before using it
Work backwards from an annual income target to a contractor day-rate scenario. The tool does not know market rates, calculate tax or GST, determine status or super obligations, or recommend a charge.
What the tool does
Base rate divides the income target by billable days. Cost-adjusted rate adds entered costs and retirement provision. The final scenario adds the user-selected risk amount.
$150,000 target across 220 billable days
- $150,000 divided by 220 days is about $682 per day.
- Adding $6,000 costs and $18,000 retirement gives about $791.
- A selected 10% risk amount produces about $859.
How to read it: $859 across 220 days models $189,000 before tax. It reflects entered assumptions—not a fair or achievable market rate.
- Values are gross AUD and rates exclude GST where applicable.
- Days, costs, retirement and risk are user inputs.
- Period equivalents are arithmetic, not cash-flow forecasts.
- Treating all weekdays as billable.
- Assuming entered costs are deductible.
- Presenting the result as a market rate or after-tax income.
Use current primary information for decisions affected by laws, tariffs, product specifications or professional standards.