Most people when they first decide to self contract don't realize how much more expensive taxes, health insurance and days off can be. I'm glad I found this post! I will be using it to calculate my rates. Thank you!WOW.....I am just starting and the whole "figuring out the hourly" has me in a frenzy. My husband is full time employed, and doing pretty ok. So this is something we hope to BUILD together. But I never considered that GIANT percentage taken by the govt. Thank you so much for that!! (PS....I don't even know how to "PM" yet, took me a second to figure out what that was. But I am very interested in any further number-crunching you have to offer.) Thanks again!