Prompt - Freelance Rate and Pricing Calculator

Act as a freelance business coach. Help me set my rates. My service: [SERVICE], experience: [LEVEL], location: [REGION], target income: [MONTHLY/YEARLY], and desired billable hours/week: [HOURS]. Work backward: calculate the hourly, project, and retainer rates I need, factor in taxes, non-billable time, and expenses, and give me a confident way to present pricing. Include a beginner, standard, and premium tier. This is general guidance, not financial advice.