# Freelancer Rate Calculator AI Agent Connect > Freelancer Rate Calculator MCP helps you bridge the gap between the income you want and the hours you can actually bill. Instead of guessing your rates, you can use your AI client to model how changes in your workload or target income impact your bottom line. It turns vague financial goals into concrete hourly targets. ## Overview - **Category:** productivity - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_W0QCMYRNqsW26XSMXhUlk4jsQ1em2XBYU3WBELvA/ai-agent-connect - **Tags:** freelance, billing, income, planning, rates ## Description Stop guessing what you should charge. Most freelancers struggle to set rates because they don't account for the time spent on non-billable tasks or the reality of their annual capacity. This MCP changes that by giving your AI client the math it needs to build a sustainable business model for you. You can figure out exactly how many hours you need to bill to hit a specific salary, or check if your current rate is actually enough to cover your overhead and target income. It's about moving away from gut feelings and toward data-driven pricing. Whether you're planning for a year of part-time work or trying to scale up your full-time business, you can run different scenarios to see how increasing your capacity or adjusting your targets changes your required hourly rate. It's a financial planning toolkit that lives right inside your existing AI workflow. ## Tools ### get_capacity_summary This tool provides a breakdown of how your time is split between billable work and non-billable tasks. ### get_required_rate Use this to find the exact hourly rate you need to hit a specific annual income target. ### simulate_rate_impact This tool lets you model how changing your billable hours or income goals affects your necessary hourly rate. ### validate_sustainability This tool checks if your current rate is actually enough to cover your target income and business expenses. ## Prompt Examples **Prompt:** ``` I want to earn $100,000 a year and I can work 1,200 billable hours. What should my hourly rate be? ``` **Response:** ``` To earn $100,000 with 1,200 billable hours, your required hourly rate is $83.33. ``` **Prompt:** ``` I work 40 hours a week, 48 weeks a year, and 60% of my time is billable. How many billable hours do I have per year? ``` **Response:** ``` You have 1,152 billable hours per year. ``` **Prompt:** ``` If I increase my billable hours from 1,000 to 1,200 for a $100,000 target, how much will my rate change? ``` **Response:** ``` Your rate will decrease from $100.00 to $83.33, which is a 16.67% reduction. ``` ## Capabilities ### Capacity Modeling Your agent calculates how many billable hours you actually have based on your weekly schedule. ### Rate Calculation Your AI client determines the hourly rate required to meet specific annual income goals. ### Scenario Simulation Your agent models how changes in workload or income targets shift your required pricing. ### Sustainability Checks Your AI client verifies if your current rates cover both your income needs and business overhead. ## Use Cases ### New Year Planning Set your annual income goals and calculate the rates needed to hit them based on your planned capacity. ### Rate Increase Strategy Simulate how a reduction in billable hours requires a higher rate to maintain the same income. ### Business Overhead Check Verify if your current rate is high enough to cover both your personal income needs and business costs. ### Capacity Auditing Determine how much of your weekly work is actually billable to avoid undercharging. ## Benefits - Removes the guesswork from setting hourly rates. - Accounts for non-billable time in financial planning. - Allows for quick modeling of different work scenarios. - Validates if current pricing meets annual income goals. ## How It Works Connect the MCP to your AI client and start running financial scenarios immediately. 1. Connect the MCP to Claude, Cursor, or Windsurf via Vinkius. 2. Provide your target income and available work hours to your AI client. 3. Ask the agent to calculate rates or simulate capacity changes. 4. Review the calculated rates and capacity summaries to plan your business. ## Frequently Asked Questions **How do I use this MCP with my AI client?** You connect to the MCP through the Vinkius platform. Once connected, your AI client in Claude, Cursor, or Windsurf will automatically have access to the rate calculation tools. **Can I use this to plan for non-billable time?** Yes. You can use the capacity summary tool to understand how your weekly hours are distributed between billable and non-billable work. **Does this tool help with business expenses?** Yes. The sustainability tool checks if your rate is sufficient to cover both your target income and your business overhead. **Can I simulate different work schedules?** Yes. You can use the simulation tool to see how changing your billable capacity affects the rates you need to charge. **Do I need to provide my own formulas?** No. The MCP handles all the math. You just provide the raw numbers like target income, hours worked, and billable percentage. **How do I calculate my required hourly rate?** You can use the `get_required_rate` tool by providing your target annual income, your total annual billable hours, and an optional operating margin for business expenses. **What is the difference between total hours and billable hours?** Total hours include all time spent working, while billable hours are only the hours spent on client-facing, revenue-generating tasks. Use `get_capacity_summary` to see this breakdown. **Can I check if my current rate is enough to meet my goals?** Yes, the `validate_sustainability` tool allows you to input your current rate and target income to see if you will meet your financial goals.