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Incolator/Salary & income/Side Income: Worth the Hours

Salary & income · 2 min

Side Income: Worth the Hours

Side income arrives pre-flattered: the revenue is visible, the hours are not, and the taxman takes his cut at your highest rate, not your average one. This instrument computes what the project actually pays per hour of your evenings — and holds it against what your main hour is already worth.

Currency-agnostic · symbol only Rules version 1.0 Reviewed July 2026

Your details

Σ/ mo

What the project brings in, before anything.

Σ/ mo

Tools, hosting, materials, ads — what the revenue costs to exist.

h / mo

Including the thinking in the shower and the Sunday admin.

%

Side income stacks on top of your salary, so it's taxed at your highest rate — not your average.

Σ

Sets the hour you're comparing against.

h / wk

Everything is calculated in your browser as you type. Nothing you enter is sent or stored, and no account is needed.

Your result

A hobby priced as one.

$37 / h

what the side project nets per hour of your evenings

The evening ledger

Side profit before tax, monthly
After tax at the margin
Net per hour of your evenings
Your main job's effective hourly
The annual difference it makes

Three tax realities, same project

If the margin isNet per hourvs your main hour

What moves this result

Worth checking

The hours are always undercounted. The invoice took an hour; the client took six. Re-run with hours ×1.5 and see if the verdict survives.

A cheap hourly can still be the right project — if it compounds. An audience, a product, a skill that raises your main rate: those pay later at rates this table can't see.

The hidden cost is recovery. Evenings spent producing are evenings not spent recovering, and a tired main job eventually bills you for the difference.

Common questions

How do I calculate what my side hustle really pays per hour?
Revenue minus direct costs, taxed at your marginal rate — the top rate, because side income stacks on your salary — divided by honest hours including admin. A $2,000/month project with $150 of costs at a 40% margin and 30 real hours pays about $37 an hour, not the $67 the revenue suggests.
Why is side income taxed at my marginal rate, not my average?
Because it lands on top of everything else you earn. Your salary already filled the lower brackets; each extra side euro enters at the highest bracket you touch. Pricing side work at your average tax rate overstates its value by exactly the gap between the two.
Is a side project worth doing if it pays less than my job's hourly?
Sometimes — when it compounds. A project building an audience, a product or a skill can pay below your hourly now and above it later. The instrument prices the present honestly; the exception it allows is a future you can actually name.
How this is calculated

Everything below is calculated from your inputs. Nothing is fetched, nothing is looked up.

side_hourly = (revenue − costs) × (1 − marginal_tax) / hours main_hourly = main_net / (main_hours × 46) gauge = side_hourly / main_hourly

The gauge reads the side hour against your main hour, parity at 100%. The house bands: past parity, the project is a raise; between 50% and parity, a fair trade if you enjoy it; under 50%, a hobby priced as one — which is allowed, as long as it knows what it is.

Limitations. Marginal tax treatment of side income varies by jurisdiction and structure; deductions can soften the rate this model applies flatly. Compounding assets — audience, IP, equity — are worth more than their current hourly and are deliberately outside the arithmetic.