Contra Pricing Calculator
Set the amount you want to keep from a Contra project, then test the invoice you are considering. The solver starts with Contra's marketed 0% freelancer commission context, while processing, bank, payout, plan, delivery, and tax-reserve assumptions remain editable. Results describe a target after-reserve take-home, and the client contract fee is shown separately so you do not accidentally price around a charge the client pays.
Best for
Make the next pricing or planning decision with context
Set a price for your Contra offer that covers the costs in this model and supports the target contribution you need. It covers Find the Contra invoice needed for a target freelancer take-home or after-reserve margin with editable external costs.
Instant calculations · Editable fee assumptions · Export-ready results
Inputs
Values update results instantly. Adjust fee assumptions to match your seller dashboard.
Your figures are saved in this browser on this device.
Targets
What you want left after modeled costs and your tax reserve.
After-reserve take-home as a share of the invoice.
Compare a quote you are considering with the targets.
Contra and payment
Starts at Contra's marketed 0% freelancer commission context. Edit if your agreement differs.
External processor percentage on the invoice.
Fixed processor cost per project.
External bank, FX, or payout percentage.
Fixed bank or payout cost per project.
Project costs
Monthly plan cost allocated to this project.
Direct costs required to complete this project.
Software, insurance, admin, or overhead allocated to this quote.
Reserve
Planning reserve applied only to positive pre-reserve net.
Client context
Client-paid fee stays separate from your quote economics.
Use the Non-Pro or Pro starting tier context.
Use the researched tier schedule or enter the current checkout amount.
Used only with the custom client-fee option.
Results
Live estimates based on your inputs and editable fee assumptions.
Invoice for target take-home
$1,133.16
Required quote for the target after reserve.
Invoice for target margin
$212.95
Required quote for the target after-reserve margin.
Pre-reserve net at test invoice
$870.70
Test invoice after costs and before reserve.
Tax reserve at test invoice
$174.14
Planning reserve on positive pre-reserve net.
After-reserve take-home
$696.56
What the test invoice leaves after the reserve.
Freelancer commission at test
$0.00
Editable platform commission context.
Processing at test invoice
$29.30
Rate and fixed processor cost.
Bank and payout at test
$0.00
External bank and FX costs.
Fixed project costs
$100.30
Processor fixed fee, plan, delivery, and business allocations.
Client-paid contract fee
$29.00
Separate client context, never subtracted from your revenue.
Target review
Targets are mathematically reachable with the entered assumptions.
Flags a target that the entered rates cannot reach.
What this means
The test invoice leaves 696.56 after reserve, below the 800.00 target. A quote near 1133.16 reaches the target if the assumptions hold.
Test invoice economics
Interactive breakdown of fees, costs, and remaining profit.
Distribution
- Processing$29.303.5%
- Project costs$100.3012.1%
- After reserve$696.5684.3%
Total $826.16 · 3 segments · interactive
Line-item breakdown
Dollar amounts, share of revenue, and visual proportion.
- Invoice for target take-home
- $1,133.16
- Invoice for target margin
- $212.95
- Pre-reserve net at test
- $870.70
- Tax reserve at test
- $174.14
- After-reserve take-home
- $696.56
- Fixed project costs
- $100.30
- Client-paid contract fee
- $29.00
Assumptions used
- • Freelancer commission 0.0%; current planning context starts at 0%
- • External variable costs 2.9% plus fixed costs 100.30
- • After-reserve target uses a 20.0% cash reserve
- • Client fee 29.00 is shown separately and paid by the client
Your next best moves
Use your Contra Pricing result to make the next decision. These Contra tools follow the same cost and pricing thread.
Keep the decision moving with the free Etsy Seller Toolkit
Download a practical checklist for pricing, hidden cost leaks, and healthier profit decisions alongside this result.
More Contra calculators and guides are in the category hub.
Explore ContraContra Pricing Calculator
Generated 9/11/2026, 3:23:43 AM · Currency USD
Inputs
- Target after-reserve take-home: 800
- Target after-reserve margin: 40
- Current or test invoice: 1000
- Freelancer platform commission: 0
- Payment processing rate: 2.9
- Payment processing fixed fee: 0.3
- Bank or currency conversion rate: 0
- Bank or payout fixed cost: 0
- Optional plan allocation: 0
- Delivery and subcontracting costs: 75
- Other business cost allocation: 25
- Tax reserve rate: 20
- Show client contract fee context: true
- Client fee tier context: nonPro
- Client fee assumption: schedule
- Custom client contract fee: 0
Results
- Invoice for target take-home: $1,133.16
- Invoice for target margin: $212.95
- Pre-reserve net at test: $870.70
- Tax reserve at test: $174.14
- After-reserve take-home: $696.56
- Fixed project costs: $100.30
- Client-paid contract fee: $29.00
Interpretation
The test invoice leaves 696.56 after reserve, below the 800.00 target. A quote near 1133.16 reaches the target if the assumptions hold.
How it works
Methodology & formulas
This calculator is transparent by design. Review the steps and formulas so you can trust the estimate and adjust assumptions when your dashboard differs.
Calculation steps
- 1Combine platform, processor, bank, and currency rates into one variable deduction rate.
- 2Combine fixed processor, payout, plan, delivery, and business allocations.
- 3Solve the invoice that reaches the target after-reserve take-home.
- 4Solve the invoice whose after-reserve amount reaches the requested margin.
- 5Test the current invoice and show each deduction separately.
- 6Keep the client-paid contract fee outside the freelancer net calculation.
Formulas
- Variable rate = freelancer commission% + processor% + bank or FX%
- Fixed project costs = processor fixed + bank fixed + plan allocation + delivery costs + other business costs
- After reserve = [invoice × (1 − variable rate) − fixed costs] × (1 − reserve rate)
- Invoice for take-home = [target take-home + fixed costs × (1 − reserve rate)] ÷ [(1 − variable rate) × (1 − reserve rate)]
- Invoice for margin = fixed costs × (1 − reserve rate) ÷ [(1 − variable rate) × (1 − reserve rate) − target margin]
- Client fee is selected separately from the client tier schedule or custom amount
Important assumptions
- Target take-home and target margin are after the entered tax reserve. The reserve is a cash-planning assumption, not tax advice.
- Contra's freelancer commission starts at an editable 0% marketed context. Processor, bank, FX, and payout costs are not Contra commission.
- Client contract fees use the researched Non-Pro and Pro tiers and remain client-paid context. They are never deducted from the freelancer quote.
- Delivery and other business costs are fixed allocations per project. Set them to zero only when the quote genuinely has no such cost.
- If variable costs consume all invoice value, the solver returns zero and the review status explains why a finite quote cannot reach the target.
Sources & review
Know what this estimate is built on
Use these official references to locate the policy, plan, or help details behind the editable inputs.
Official references
Use the current terms
Public terms can vary by account, region, category, plan, or seller program. Use the official reference as a starting point, then verify the rates and terms shown in your account.
Defaults are editable estimates. Match them to your current account, provider statement, official authority, lender, or adviser before making a pricing or investment decision.
Calculator model reviewed: August 9, 2026. This date covers the page and calculator guidance, not a guarantee that every live platform rate or term was re-audited on that date.
Worked example
Quote for an $800 after-reserve take-home
The starting Contra commission is 0%, processing is 2.9% plus $0.30, delivery costs are $75, other business allocation is $25, and a 20% reserve is used. No bank, plan, or client-fee override is entered.
FAQ
Common questions
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