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Your side hustle has a real hourly rate.

Add up what the hustle pays, what it costs, and what taxes take — then see what each hour is actually worth to you.

Income & time

01 / EARNINGS
$
hrs
Gross hourly before costs$0

Expenses

02 / COSTS
$
$
$
$
Total expenses$0

Taxes & comparison

03 / REALITY
%
$

Side income usually faces both income tax and self-employment tax (about 15.3% on net earnings). 25–30% combined is a common starting estimate — use the self-employment tax estimator for a precise number.

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Is the hustle worth the hours?

Enter what you earn, what you spend to earn it, and how many hours it takes.

Last reviewed: October 2026.

What's next?

Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.