This calculator turns monthly overhead and realistic billable capacity into an hourly burden, break-even rate, and target charge rate. It is designed to make underpricing harder to rationalize.
Rent, admin, insurance, software, vehicles, and everything else not tied to one job.
Only count people whose hours can actually be sold.
Use realistic sold hours, not scheduled hours.
Subtract holidays, training, and seasonal downtime.
Wage plus taxes and direct labor burden.
Percent you want left after labor and overhead coverage.
The paid tools are useful when you want that discipline embedded in reusable pricing and paperwork instead of recalculating from scratch every week.
See the Etsy shop