Comparison · both free
Freelance Rate Card vs Paycheck Allocator
The short answer
The Freelance Rate Card works out what to charge from the income you need. The Paycheck Allocator splits money that already arrived. One sets the number, the other spends it well.
Freelance Rate Card
Enter your costs, hours, and the income you need. Get a day rate, a project quote, and the sentence you send when asked.
- You paste
- Write the floor and the days. The monthly amount the work needs to cover, and the number of days you will bill. Use a number you have lived with, not a fantasy of 22 billed days.
- You get
- The sentence. 'A two-day build is 500 EUR. Expenses are extra. I can start when you confirm.' No apology, no VAT guess.
- When to use it
- Use it before the next 'what is your rate?' message, when your number is not connected to rent, time, or billable days.
- When to skip it
- It does not know your market's going rate or your local tax rules. It works from your costs and hours.
- Runs in
- ChatGPT, Claude, Gemini
- Difficulty
- Medium
- Shelf
- Personal Finance
Paycheck Allocator
Enter the paycheck and the bills you listed. Get a split across obligations, a buffer, and goals, using your numbers only.
- You paste
- List the check and the bills. Use the net amount and the bills that this check is supposed to cover. Say which bills are already handled. Leave account numbers out.
- You get
- Refused. No second buffer, no investment tip, no suggestion to delay rent. Rent is noted as a next-check problem.
- When to use it
- Use it on payday, when the bills, the buffer, and the goal you meant to fund are still one undifferentiated balance.
- When to skip it
- It is not financial advice and it does not know your bank balance. It splits only the numbers you list.
- Runs in
- ChatGPT, Claude, Gemini
- Difficulty
- Easy
- Shelf
- Personal Finance
Questions
What is the difference between Freelance Rate Card and Paycheck Allocator?
The Freelance Rate Card works out what to charge from the income you need. The Paycheck Allocator splits money that already arrived. One sets the number, the other spends it well.
Are Freelance Rate Card and Paycheck Allocator free?
Yes. Both are free prompts from One Agent a Day under CC BY 4.0. Freelance Rate Card runs in ChatGPT, Claude, Gemini. Paycheck Allocator runs in ChatGPT, Claude, Gemini.
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