Redmoon Converters 将自由职业日薪与等效全职年薪进行对比，综合考虑每年可计费天数、税费、养老金/401k及无薪假期。
| 项目 | 数值 |
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日薪 → 年薪：税前收入 = 日薪 × 计费天数。到手收入 = 税前收入 × (1 − 税率%) − 养老金缴款。
年薪 → 日薪：所需日薪 = 年薪 ÷ 计费天数。若要与雇员薪酬待遇对等，需乘以 1 + （带薪休假天数 ÷ 计费天数），从而将无薪休假时间计入价格。
This converts between a contract day rate and an annual figure in two directions. Day rate to annual salary multiplies your rate by billable days, so gross = rate × days. Annual salary to day rate divides and then applies a leave uplift: required rate = (salary ÷ days) × (1 + leave ÷ days), which prices in the paid holidays an employee gets for free. Take-home in both directions is gross minus income tax and minus the super or pension percentage.
Billable days is the lever most people get wrong. The default is 200, explained on the page as 50 weeks at 4 days. The tax preset dropdown fills the income tax field for you — New Zealand 30%, United Kingdom 32%, United States 24%, Australia 32.5% — or pick Custom and type your own, anywhere from 0 to 80% in half-point steps. Super/pension defaults to 3% and is deducted from gross alongside tax.
The tax figure is a single flat percentage applied to the whole gross, so it ignores progressive brackets, tax-free thresholds, deductible business expenses and GST or VAT; real take-home will differ. The Paid leave days field only affects the salary-to-day-rate direction, and changes nothing in the default day-rate-to-salary mode. Every amount is also printed with a plain dollar sign no matter which country preset you have selected.
The tool defaults to 200, which it describes as 50 weeks at 4 days. Drop it toward 180 if you expect gaps between contracts or admin-heavy weeks, and raise it only if you have continuous work booked. The field accepts values from 1 to 365.
Because the salary-to-day-rate mode multiplies the result by 1 + (leave days ÷ billable days). At the default 200 billable days and 20 leave days that is a 10% uplift, covering the holidays and sick days a salaried employee is paid for and you are not.
No. The presets are single flat averages of roughly 30% for NZ, 32% UK, 24% US and 32.5% AU, applied to the whole gross. Real liability is progressive, varies by state or region and depends on deductions, so switch to Custom and enter your own effective rate.
Yes. The Super / pension percentage, 3% by default, is subtracted from gross alongside income tax to reach take-home. It represents money you set aside for retirement rather than money lost, so read that line as saving rather than as a cost.
The bottom table row divides annual take-home by billable days, giving the cash you keep for each day actually worked. Compare it against an employee's daily net pay to see whether a day rate is genuinely ahead once tax and retirement contributions have come out.
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