Calculate Your Minimum Viable Freelance Rate

Pick a rate out of the air and you risk working for less than nothing. This does the maths instead. Feed in your living costs, business costs, realistic billable days, the time off you need and your tax rate, and it gives you the floor: the minimum number you can charge before the work stops paying for your life. Everything above it is negotiation.

Help me calculate the minimum rate I can charge without losing money. Here are my numbers:

- Monthly personal expenses: {monthly_expenses}
- Business costs per month (software, insurance, accountant, etc.): {monthly_business_costs}
- Realistic billable days per month: {billable_days_per_month}
- Unpaid holiday and sick days I need to account for per year: {unbillable_days_per_year}
- Tax rate in my country ({country}): {tax_rate}%

Work through the maths step by step to give me:
1. My break-even day rate
2. My minimum viable day rate once tax is accounted for
3. A survival rate vs a comfortable rate vs a thriving rate
4. The key assumptions I should revisit if my situation changes