How does the tool value paid leave in a full-time job?

It converts your annual salary to a daily rate and multiplies by your paid-leave days. Freelancers earn nothing on days off, so this value is part of what a job gives you beyond the salary line.

Which freelance costs should I enter as expenses?

Enter software subscriptions, hardware, insurance, professional services, and coworking costs, anything you pay to stay billable. The tool subtracts them from revenue to estimate net income before tax.

Does the comparison include income tax?

It does not compute tax for either side. Freelancers often pay more tax after accounting for self-employment charges, so run both numbers through a tax tool before you decide.

Is the calculation done in my browser?

Yes. All math runs locally and your figures are not sent to any server. You can download the summary for your own records.

Freelance vs Full-Time

Compare real compensation including PF, gratuity, insurance, and paid leaves. See which option truly pays more.

Full-Time Job

Annual Salary (Base)

Currency

Bonus (%)

Paid Leaves/Year

Benefits Package

Health Insurance (~₹60,000/yr)Provident Fund (12% employer)Gratuity (4.81%)

Freelance Income

Hourly Rate

Billable Hours/Week

Working Weeks/Year

Annual Business Expenses

Software, insurance, office

Gross Revenue

₹36,00,000

Net Income Comparison

Full-Time (Total Comp)

₹16,60,624

Freelance (Net)

₹34,80,000

🚀 Freelance Wins

₹18,19,376(+109.6%)

Full-Time Components

Base Salary₹12,00,000

Bonus₹1,20,000

Health Insurance₹60,000

Employer PF₹1,44,000

Gratuity₹57,720

Paid Leaves Value₹78,904

Total Package₹16,60,624

Freelance Components

Gross Revenue₹36,00,000

Business Expenses-₹1,20,000

Net Income₹34,80,000

Billable Hours/Year:

1440 hours

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What problem does this solve?

A freelance rate of 2,500 INR per hour can look richer than a 12 LPA job, and it is often poorer. Benefits, paid leave, and expenses sit on different sides of the ledger. This tool totals full-time compensation, including bonus, insurance, PF, gratuity, and paid-leave value, and compares it with net freelance income.

Built for: Developers deciding between a full-time role and full-time freelancing. Contractors renewing or losing a main client also use it to price the stability gap.

Worked example

Enter a full-time salary of 1,200,000 INR with a 10 percent bonus, health insurance, PF, gratuity, and 24 paid leaves.
Enter your freelance side: 2,500 INR per hour, 30 billable hours per week, 48 working weeks, and 120,000 INR yearly expenses.
The tool totals full-time compensation near 1,470,000 INR, counting bonus and employer contributions.
It computes freelance revenue of 3,600,000 INR, subtracts expenses, and compares net income of 3,480,000 INR against the job.
Read the percentage difference, then lower billable hours to a realistic level before you resign.

Common questions

How does the tool value paid leave in a full-time job?: It converts your annual salary to a daily rate and multiplies by your paid-leave days. Freelancers earn nothing on days off, so this value is part of what a job gives you beyond the salary line.
Which freelance costs should I enter as expenses?: Enter software subscriptions, hardware, insurance, professional services, and coworking costs, anything you pay to stay billable. The tool subtracts them from revenue to estimate net income before tax.
Does the comparison include income tax?: It does not compute tax for either side. Freelancers often pay more tax after accounting for self-employment charges, so run both numbers through a tax tool before you decide.
Is the calculation done in my browser?: Yes. All math runs locally and your figures are not sent to any server. You can download the summary for your own records.

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