Side Income Goal Calculator

Turn a money goal into a time plan. Enter how much you want to keep each month, your monthly costs (software, fees, supplies) and how much to set aside for tax. Then either enter your hourly rate to see the hours needed, or the hours you have to see the rate you would need. It is a what-if from your numbers, not a promise of what you will earn.

Money you want to keep each month

Monthly costs

Software, fees, supplies.

Set aside for tax

Check your own local tax rules.

Unpaid time (admin, finding work)

% of hours

Work it out from

Your hourly rate

Hours needed each week

-to earn before tax and costs

-paid hours a month

Hourly rate	Hours a week

How it works

Earn before tax = (money to keep ÷ (1 − tax %)) + monthly costs
Paid hours a month = earn before tax ÷ hourly rate
Total hours a week = paid hours ÷ (1 − unpaid %) ÷ 4.33 weeks
From your free hours, the rate needed = earn before tax ÷ (hours a week × 4.33 × (1 − unpaid %))

What it does not know

Whether there is demand. Test with a few paying clients or a small offer before you count on it.
Your tax. Rules differ by country and state. Ask a tax professional.
Slow months. Most side income goes up and down. Keep a buffer.

Free gift: want our side hustle ideas list? Get it free when you join our list. Get it free

Results are what-if estimates from the numbers you enter. We make no income or earnings claims. Fees and rules change, so check each platform's current terms, and ask a tax professional about tax. Some links on this site may earn us a commission. Read our disclosure.