Consulting Fees Calculator
From target income, work weeks, billable hours, overhead and profit, derive the hourly rate a self-employed consultant should charge.
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計算結果
重點速覽：For self-employed consultants: billable hours/year = weeks x billable hours/week; base rate = target income / billable hours; suggested rate = base x (1 + overhead%) x (1 + profit%). It reverses a cost-plus target into an hourly fee. Core idea: do NOT divide old salary by total hours — only part of time is billable, and you must cover overhead and profit. Example: 800k target, 48w x 30h (1,440h), 20% overhead, 15% profit → base 555.56, suggested 766.67. WARNING: Billable hours usually 50-70% of total; overestimating sets rate too low. Benchmark market/experience; this is a floor, not the final price. Education, not advice.
計算公式
每年可計費時數 = 每年工作週數 × 每週可計費時數。
基本時薪 = 目標年收入 ÷ 每年可計費時數。
建議每小時收費 = 基本時薪 × (1 + 營運開支率) × (1 + 目標利潤率)。
$$每年可計費時數：$H = Weeks\times HoursPerWeek$$$$$基本時薪：$Base = \dfrac{TargetIncome}{H}$$$$$建議每小時收費：$Rate = Base\times(1+Overhead\%)\times(1+Profit\%)$$$使用說明
- Enter your target annual income (pre-tax).
- Enter work weeks and billable hours per week.
- Enter overhead and profit rates.
- View the suggested hourly rate as a pricing reference.
目標年收入 HK$800,000 下的收費推算 (48 週 × 每週 30 計費時)
| 項目 | 數值 |
|---|---|
| 每年可計費時數 | 48 × 30 = 1,440 小時 |
| 基本時薪 | 800,000 ÷ 1,440 ≈ HK$555.56 |
| 加營運開支 20% | × 1.20 |
| 加目標利潤 15% | × 1.15 |
| 建議每小時收費 | ≈ HK$766.67 |
理財情境案例
案例一：從目標年收入反推顧問時薪
某人想轉為自僱顧問，目標年收入 HK$800,000。估計每年工作 48 週、每週有 30 小時能真正向客戶計費，營運開支率 20%,目標利潤率 15%。
每年可計費時數 = 48 × 30 = 1,440 小時；基本時薪 = 800,000 ÷ 1,440 ≈ HK$555.56；建議每小時收費 = 555.56 × 1.20 × 1.15 ≈ HK$766.67。
解讀：要達到 80 萬年收入，這位顧問的每小時收費應約 HK$767，而非直覺的 80 萬 ÷ 1,440 ≈ 556。多出來的部分正是用來覆蓋營運開支 (租金、軟件、行政、社交保險等) 與預留利潤 (作為緩衝與再投資)。這說明自僱定價必須把『成本與利潤』加回去，否則實際到手會遠低於目標。
案例二：為什麼不能用舊年薪直接除以全年工時？
假設某人打工年薪 HK$800,000，一年約 52 週、每週 40 小時，若直接除：800,000 ÷ (52 × 40) = 800,000 ÷ 2,080 ≈ HK$385/小時。看似只要收 385 就夠——但這是嚴重低估。
實際上，自僱顧問並非每個工作小時都能計費：找客戶、報價、行政、進修、休假、生病等都不能向客戶收錢，真正可計費時數可能只有 1,440 小時 (如案例一)。而且還要自付以前公司替你承擔的開支與福利，並預留利潤。
解讀：把年薪除以『全年名目工時』會得出過低的費率，因為它假設『每一小時都在賺錢、且沒有額外成本』,這對自僱者完全不成立。正確做法是：只用『可計費時數』作分母，再加上營運開支與利潤加成 (如案例一算出約 HK$767)。這也是很多新手自由工作者定價過低、忙得要死卻賺不到錢的主因。本計算器正是幫你把這些因素一併算進去。⚠️ 實際費率還需參考市場行情與自身經驗，結果僅供定價起點參考。
常見問題
Why can't I just divide my old salary by total hours?
Because as self-employed you pay your own overhead, MPF and benefits, have no paid leave, and cannot bill every hour (business development, admin, training, rest all take time). Dividing salary by total hours badly underprices and won't sustain the business.
How should I estimate billable hours?
Estimate actual work weeks (minus holidays, ~46-50) then truly billable hours/week. Usually only 50-70% of total time is billable; be conservative to avoid setting the rate too low.
Is the result my final quote?
It is a cost-and-profit-based floor. Actual quotes should also weigh market rates, your positioning and experience, client value and competition. If you create clear value, value-based pricing can justify charging more.
What are billable hours and why are they far below total hours?
Billable hours are the time you can actually charge clients — the most critical and most overestimated number in consulting pricing. Why so low? A self-employed consultant spends much time on non-billable work: business development (finding clients, proposals, contracts, networking, marketing), admin (bookkeeping, invoicing, chasing payment, tax, email, software), training (staying current), gaps between projects, and unpaid leave/sickness/holidays. A 40-hour week may yield only 25-30 billable hours. Estimate conservatively; new freelancers especially overestimate and underprice. With experience, the billable ratio may rise but rarely hits 100%.
Is the suggested rate what I should charge clients?
Not exactly — it is an inside-out reference floor (what you must average to hit your target), not the price for every client. Actual pricing also depends on market rates, your value/positioning, client and project nature, negotiation room, and value vs cost pricing. Treat it as a底线 (do not go below) and a negotiation anchor, then adjust with market, positioning and client context. This tool is a pricing starting point, not business or financial advice.
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參考資料
內容審核：香港計算器財經團隊。計算邏輯與公式參考香港金融管理局（HKMA）及投資者及理財教育委員會（IFEC）之個人理財計算指引，結果僅供參考，實際以相關機構公佈為準。