Retainer Calculator

Compare monthly retainer vs hourly billing in real time

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💼 Your Numbers

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❓ FAQ

What is a break-even point?

The break-even point is the number of monthly hours at which your hourly cost equals your retainer fee. Below that number, hourly billing is cheaper; above it, the retainer is cheaper.

When does a retainer make sense?

A retainer is usually worth it when your actual monthly hours consistently exceed the break-even point, or when you want predictable, capped monthly costs and priority access.

Does this account for scope changes?

No — this tool assumes a fixed hourly estimate. Real projects fluctuate month to month, so use this as a starting comparison, not a binding contract calculation.