B02 | Freelance Rate Master - Calculadora de Tarifa Hora Real

### 🛑 Are you subsidizing your clients?

Most freelancers make a fatal mistake: they calculate their rate based on what they want to earn monthly,

divided by 160 hours (standard 40h/week).

That's a trap.

You don't work 160 billable hours. You have admin work, marketing, sick days, and holidays. If you charge

based on 160 hours, you are losing money every single hour you work.

### 📉 The Solution: Reverse-Engineered Pricing

B02 Rate Master is not just another ugly spreadsheet. It is a financial precision tool designed for

consultants and creatives who take their business seriously.

Key Features:

✅ Survival Calculation: Input your monthly fixed costs (Rent, Utilities, Software) to find your real

"Break-Even Point".

✅ The Reality Factor: Define how many hours you actually bill vs work.

✅ Profit & Tax Buffer: Automatically calculates safety margins so you don't get caught short.

✅ Total Privacy: Your financial data stays in your browser. No cloud. No monthly subscriptions.

### 📦 What you get:

The *B02 Rate Master** Digital Tool (HTML App).

* High-contrast "Dark Mode" interface for focused work.

* Lifetime Offline Use. One file, zero dependencies.

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"If you don't know your numbers, you don't have a business. You have an expensive hobby."