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Vestry / Salary to Business Owner Calculator

What do you actually need
to earn going out on your own?

Your salary is only part of your pay. Super, leave, and sick days are worth thousands. This calculator works out what you'd need to charge as a business owner to truly match, or beat, your current employment package.

Australian figures No login required General information only

Your current situation

Enter your employment details below

Employment
Annual salary (before tax) $85,000
$30k$300k
Super rate 11.5%
10%15%
Hours worked per week 38 hrs
2060
Leave entitlements
Annual leave 20 days
030 days
Sick / personal leave 10 days
015 days
Public holidays 11 days
814 days
Business costs (annual)
Accounting & tax $3,000
$0$10k
Insurance (PI, PL, income) $2,500
$0$15k
Tools, equipment & software $2,000
$0$20k
Marketing & admin $1,500
$0$10k
Buffer & income risk
Unpaid weeks per year 4 wks
012 weeks
Minimum hourly rate to match your package
$0/hr
Based on your inputs, this is what you need to charge per billable hour as a business owner to genuinely replace your current employment package.
$0
Annual revenue needed
0 hrs
Billable hours/year
$0
Day rate equivalent
Your true employment package value
Base salary $0
Superannuation $0
Annual leave value $0
Sick leave value $0
Public holidays value $0
Total package value $0
Business revenue required
Replace package value $0
Accounting & tax $0
Insurance $0
Tools & equipment $0
Marketing & admin $0
Income gap (unpaid weeks) $0
Total revenue needed $0
What if you charged different rates?
Hourly rate Annual revenue vs package Outcome
Reality check
Adjust your inputs to see a personalised assessment.
What this calculator doesn't include This tool focuses on the financial break-even between employment and self-employment. It doesn't model income tax differences, GST obligations, business structure costs (Pty Ltd vs sole trader), WorkCover, or the non-financial value of flexibility and autonomy. Always consider getting advice from an accountant before making the switch.
General information only. Not financial advice. All figures are estimates based on your inputs and do not account for your personal tax situation, industry-specific costs, or individual circumstances. Vestry Pty Ltd does not receive any commercial benefit from this tool.
Thinking about the bigger picture?

Understand your investment options

Once you know what you need to earn, our Learning Hub can help you understand how to grow that income over time, including super, ETFs, and how compounding works in your favour.

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