# Start here

1. Open `rate-calculator.html` in Chrome or Safari.
2. Enter your net income target, expenses, and realistic billable hours.
3. Note your **minimum hourly floor** before any client call.
4. Pick a proposal template (project / retainer / audit), replace `[bracketed]` fields, print to PDF.

Clone of Matt Kallaway bomum ($14 Gumroad). Toolkit Labs ships the same delivery shape at EUR 9 via Stripe.