21 Calculators

Business Calculators for Contractors

Pricing, margins, cash flow, employees, seasonality — the business math every contractor needs to run a profitable company, not just a busy one.

Pricing & Rates

Universal · #001
True Hourly Rate Calculator
What you actually need to charge per hour after overhead, taxes, non-billable time, and profit target. The first calculator every contractor should run.
Universal · #011
Markup vs. Margin
A 40% markup is not a 40% margin — understand the difference and price materials correctly.
Universal · Reference
Material Markup Calculator
Enter cost and target margin — get the sell price and markup percentage instantly.
Universal · #005
Overhead Per Hour
Divide your annual overhead by billable hours — know the true cost of every hour you sell.
Universal · Reference
Minimum Service Call
Calculate the floor price for any service call — drive time, overhead, and minimum labor covered.
Universal · #006
Change Order Pricing
Price change orders at the right rate — not the original bid rate, which already assumed different scope.

Profit & Financial Health

Universal · #038
Net Profit Margin Calculator
Full P&L: revenue, direct costs, overhead, owner draw, taxes — know your real margin after everything.
Universal · #006
Job Profitability
Compare estimated vs. actual on each job — find which job types actually make money.
Universal · #036
Cash Flow Gap Calculator
Weeks of runway, break-even revenue, slow-month deficit — know your position before slow season hits.
Universal · #037
Warranty Callback Cost
Annual cost of rework, opportunity cost of lost hours, and the rate impact to break even.
Universal · #012
Business Valuation Estimator
EBITDA multiple and revenue multiple approaches — know what your business is worth before you need to sell it.
Universal · #004
Annual Revenue Goal
Work backwards from take-home target — what revenue, jobs, and rate do you need to hit your number?

Employees & People Costs

Universal · #035
Employee Burden Rate
FICA, workers comp, PTO, benefits — the real hourly cost of an employee and what to bill for them.
Universal · #007
Employee vs. Subcontractor
True cost comparison — when a sub is cheaper, when an employee wins, and the IRS classification risk.
Universal · #013
Overtime Pay Calculator
FLSA OT rate by base wage, hours worked, and state rules — price overtime labor correctly in bids.
Universal · #014
Subcontractor Markup
What to add to a sub's invoice — admin, coordination, liability, and margin — before passing to the customer.
Universal · #009
Subcontractor Invoice Tracker
Running total of sub costs per job — prevent overbilling and keep retainage records straight.

Planning & Operations

Universal · #033
Seasonal Revenue Forecast
12-month distribution by trade — ASCII bar chart shows your peaks, slow months, and 8-week marketing window.
Universal · #034
Material Waste Calculator
Waste factor by material type and cut complexity — order the right amount before the job starts.
Universal · #010
Job Capacity Planner
How many jobs per week can your crew handle — by crew size, hours, and average job duration.
Universal · #008
Quote Acceptance Rate
Track your close rate — what acceptance % means for your marketing spend and quote volume needed.
Universal · #015
Late Payment Calculator
True cost of net-30 and net-60 terms — interest, float, and the right late fee to put in your contracts.

Run the Business, Not Just the Tools

The Trades Business Starter Kit includes a cash flow tracking spreadsheet, break-even calculator, slow-season pricing strategy guide, and service agreement template. Guide from $19 — Complete Kit with all 19 templates, $49.

Get the Business Kit — $19