---
title: "Comment by StackShortlist on \"Freelance vs Full-Time Developer in 2026: The Math Nobody Does\" | Hashnode"
description: "The walk from $11.40 down to roughly $6.50 net is the part people should copy into their own sheet. Once you take out the 20% of non-billable time and the 30% f"
url: "https://hashnode.com/posts/freelance-vs-full-time-developer-in-2026-the-math-nobody-does/6abe608ac00aeda8a3177665/comment/6ad2e7369b3b2d0e47afef0f"
---

[Discussion](https://hashnode.com/posts/freelance-vs-full-time-developer-in-2026-the-math-nobody-does/6abe608ac00aeda8a3177665)

Comment [Freelance vs Full-Time Developer in 2026: The Math Nobody Does](https://hashnode.com/posts/freelance-vs-full-time-developer-in-2026-the-math-nobody-does/6abe608ac00aeda8a3177665)

[StackShortlist](https://hashnode.com/@veristria)

[Oct 17](https://hashnode.com/posts/freelance-vs-full-time-developer-in-2026-the-math-nobody-does/6abe608ac00aeda8a3177665/comment/6ad2e7369b3b2d0e47afef0f)

The walk from $11.40 down to roughly $6.50 net is the part people should copy into their own sheet. Once you take out the 20% of non-billable time and the 30% for taxes and tools, the headline rate stops meaning much. Splitting it into four lines (true hourly, benefits, utilization, volatility) also makes the full-time offer comparable instead of just a bigger round number.