Hourly Rate Sustainability Check for a Self-Employed Person
Test whether an hourly rate supports the work.
Added October 15, 2026. Written with AI assistance and checked for clarity and placeholders; not reviewed by a lawyer, accountant, clinician or other professional. How these prompts are made
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[VERIFY] is an editorial flag, not a blank to fill. Wherever the prompt shows [VERIFY], check that item against a reliable source before you use it (what [VERIFY] means).
Check my hourly rate. Annual costs, hours worked, billable share, holidays, unpaid admin and income target: [RATE_DATA]. Current rate: [CURRENT_RATE]. Typical project mix: [PROJECT_MIX]. Calculate the rate needed to reach my target given realistic billable hours, show the arithmetic, and compare with my current rate. Explain how holidays, sickness and admin affect the figure. Do not set my price; present options to consider. Return a table with Assumption, Value and Effect on the required rate, a sensitivity check, and questions for an accountant on tax and pensions [VERIFY] for [JURISDICTION]. Also suggest a way to track actual billable hours for a month before deciding on a rate, and to test the effect of a ten percent change on income. Be explicit about what this review cannot see, such as supporting documents and source records, and mark conclusions as provisional. Tax, accounting and lending rules are [VERIFY] for [JURISDICTION]. Finish with a note on how this review might be wrong, naming the biases or gaps in the material that could have misled you.
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