Tom Cashman

Building free financial tools for freelancers. Creator of — a rate calculator that accounts for SE tax, health insurance, and more.

[Tom Cashman @Morvalion]

Most copywriters set their rate by looking at what others charge. New guide uses 2026 AWAI and EFA survey data, plus the backwards calculation that accounts for SE tax.
https://t.co/FyrJjiaaDy #freelance #copywriting

[Tom Cashman @Morvalion]

Most freelance rate calculators divide your salary by 2,080 hours and call it done. ChargeWhat works backwards from your actual take-home — after SE tax, state income tax, and health insurance.
Now on @peerpush_net 👇 https://t.co/3wfZ9XsgfD
#freelance #freelancing

[Tom Cashman @Morvalion]

@wetyoursponge Looks great, Rian! Best of luck with your launch!

[Tom Cashman @Morvalion]

Most freelance rate calculators divide your salary by 2,080 hours and call it done. ChargeWhat works backwards from your actual take-home — after SE tax, state income tax, and health insurance. Live on Open-Launch today 👇 https://t.co/yHZn5muoAf
#freelance #freelancing

[Tom Cashman @Morvalion]

A UK freelancer targeting £50k take-home needs to bill roughly £80k gross. Most people don't know that gap exists until tax time. https://t.co/df9OMTIRnL

[Tom Cashman @Morvalion]

Just launched ChargeWhat on Product Hunt today 🎯
A free freelance rate calculator that does the math — SE tax, all 50 states, health insurance, realistic billable hours.
Most freelancers are charging $20-30/hr less than they need to. Check it out → https://t.co/qYX4Vbo92f

[Tom Cashman @Morvalion]

Just launched https://t.co/BSkaXRA6pK — a free freelance rate calculator that actually accounts for self-employment tax.
Most calculators divide your salary by 2,080 hours. That ignores SE tax (15.3%), health insurance, and the fact that you can't bill every hour you work.

[Tom Cashman @Morvalion]

@Bernerdad9 @histories_arch We were already in Vietnam under Kennedy.

[Tom Cashman @Morvalion]

@EstebanMathurin @Richard48187052 @AndriyYermak Incorrect. Germany was provoked by crushing indemnity payments after the first war (including France actually invading and seizing the Ruhr region to recoup payment that the German government was unable to pay), not to mention crippling inflation.

[Tom Cashman @Morvalion]

@EstebanMathurin @Richard48187052 @AndriyYermak The lessons of WW2 should guide us. Our fear of nuclear war is parallel to the fears of another costly war that made Great Britain and France appease Hitler. In the end, they had to fight another world war anyway because they didn't stand up sooner.

[Tom Cashman @Morvalion]

@lopatonok @AndriyYermak That's correct, but the United States was barely established in Washington's time. The priority was the survival of the new nation, not getting entangled in the affairs of the current superpowers. I see the US position now as more similar to our situation right before WW2.

[Tom Cashman @Morvalion]

@RoarXpost @alexstubb If you can do better, then run for office.

[Tom Cashman @Morvalion]

@rec_ann @alexstubb Everyone with indoor plumbing voted yes.

[Tom Cashman @Morvalion]

@TechTonicConvos @alexstubb Peace in our time, hm?