Universal · Calculator #029

Trades Business Valuation Estimator

Know what your business is worth before you need to sell it. Enter revenue, owner earnings, recurring contracts, and equipment—get a ballpark valuation using metrics real buyers use.

How to use this calculator

  1. Enter Annual revenue (last 12 months, $)
  2. Enter Owner's total income from business ($/year)
  3. Enter Number of employees (not counting owner)
  4. See Estimated business value range — updates as you type

Business Financials

Salary + distributions + perks run through the business (truck, phone, etc.).
HVAC maintenance agreements, landscaping contracts, plumbing service plans, etc.
Current resale value of trucks, tools, trailers, specialized equipment.

How Buyers Actually Value Trade Businesses

SDE × Multiple = Your Starting Number

Buyers don't pay for revenue—they pay for Seller's Discretionary Earnings (SDE): your net profit plus owner compensation plus any owner-specific perks. A $500k revenue business with $60k SDE is worth less than a $300k revenue business with $90k SDE. Typical SDE multiples for trade businesses: 1.5–3.5×, depending on size, growth, and systems. Add equipment and inventory on top.

Recurring Revenue Is Worth 2–4× One-Time Revenue

A service agreement or maintenance contract that renews annually is worth far more than a one-time job of the same dollar amount. Buyers will pay a premium multiple for predictable recurring revenue because it reduces their risk. $30k in annual maintenance agreements can add $60k–$120k to your sale price. Build recurring revenue now, even if you're not selling for 5 years.

Owner Dependency Is a Value Killer

The hardest thing to sell is a business where all the knowledge, relationships, and skills live in the owner's head. Buyers discount heavily for key-person risk. Every process you document, every customer relationship your employees own, and every system that runs without you adds directly to the multiple. A business that runs 80% without you is worth 40–60% more than one that stops when you take a vacation.

Build a Business Worth Selling

The Tradesman's Business Starter Kit includes financial tracking forms, service agreement templates, and business planning tools that make your business sellable—even if you never plan to sell. Guide from $19 — Complete Kit with all 19 templates, $49.

Get the Business Kit — $19
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About This Calculator

Thinking about selling, bringing on a partner, or just curious what your business is worth? This estimator uses the same metrics buyers actually apply — annual revenue, owner earnings, recurring service contracts, and asset value — to give you a realistic valuation range. It won't replace a formal appraisal, but it gives you a solid benchmark before any conversation about money changes hands.