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Freelance vs Full-Time Calculator

Hourly rate plus tax plus benefits plus downtime, converted to equivalent salary.
Financial planning

Freelance vs full-time - which pays more?

Enter both options. We show side-by-side annual net + monthly cash flow with Nigerian tax and benefits factored in.

Freelance option

Full-time option

Should you go freelance or full-time in Nigeria?

Freelance wins on gross earning power for most senior talent - a NGN 20k/hour rate at 18 billable days works out to NGN 34M annual gross. But the "gross" is misleading: you cover your own HMO, pension, downtime, and often pay tax at a higher effective rate. Full-time wins on stability, benefits, and career capital - especially if you're pre-senior or want employer-branded credentials.

The right answer depends on your billable-day density (can you fill 18+ days/month reliably?), your risk tolerance (can you handle 2 months of no clients?), and your career stage (contract work early = shallow skill stacks; full-time early = broader learning).