Stop quoting off gut feel — wrap overhead, drive time & real profit around your hours
Material markup covers sourcing time, pickup trips and warranty risk — not profit on the part. Industry norm 20–50%.
Take-home rate is your pre-tax wage, not the price. Overhead is spread across billable hours only (you bill ~50–60% of hours worked). Mileage defaults to the IRS 2026 business rate (72.5¢/mi).
Most handymen quote off on-site hours alone and forget the truck, tools, insurance, drive time, admin, and material handling — so they end up working for near minimum wage. This calculator wraps all of that around your hours. It turns your monthly overhead into a per-hour recovery rate, layers it on top of your target take-home wage, adds drive cost and marked-up materials, then applies a true profit margin (a divide, not a multiply) to produce a defensible job price — with a full breakdown showing exactly where every dollar goes. Everything runs privately in your browser, free.
A 2-hour job, 20 miles round trip, no materials, $50/hr take-home, $2,400/mo overhead spread over 110 billable hours, IRS mileage of $0.725/mi, and a 15% target margin:
Quoting just 2 × $50 = $100 would have left roughly $86 (46%) on the table. That gap is exactly what this tool recovers.
overhead_rate = monthly_overhead ÷ billable_hours_per_month
loaded_rate = take_home_rate + overhead_rate
labor_cost = loaded_rate × on_site_hours
drive_cost = round_trip_miles × mileage_rate
materials = material_cost × (1 + markup% / 100)
subtotal = labor_cost + drive_cost + materials
price = subtotal ÷ (1 − margin% / 100) ← divide, NOT ×
final_price = max(price, minimum_job_price)The divide-by-(1 − margin) line is load-bearing: it makes profit a true share of the final price. A 20% markup (subtotal × 1.2) is only a 16.7% margin — using a markup where you meant a margin underprices every job.
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Don't quote off on-site hours alone. Start from your take-home rate, add an overhead recovery rate (monthly overhead ÷ billable hours sold per month), multiply that loaded rate by the job's hours, add drive cost and marked-up materials, then divide the subtotal by (1 − your margin) so profit is a true share of price. This tool does every step and shows the breakdown.
Markup is added on top of cost (cost × 1.15). Margin is a share of the final price (price = cost ÷ (1 − 0.15)). A 20% markup is only a 16.7% margin. This tool uses the divide-by-margin method on purpose and shows the realized margin so you can confirm it.
Overhead is every cost that exists whether or not you're on a job — truck, fuel, tools, insurance, phone, software, ads, license, accounting — typically 25–40% of revenue. Spread it across only your billable hours (you bill ~50–60% of hours worked). The tool turns monthly overhead into a per-hour recovery rate.
There's no single number, because the price is wage + overhead recovery + profit, not just a wage. Solo operators commonly target $35–$65/hr take-home, but after overhead and a 10–20% margin the all-in billed rate is often $75–$120/hr. The tool shows your effective all-in hourly rate.
A minimum (commonly $75–$200) protects you from quoting a 20-minute job for $30 — just showing up has a cost. When the calculated price falls below your floor, the tool returns the floor and flags that the minimum was applied.
No. Your take-home rate is pre-tax, and self-employment tax (15.3%) plus income tax aren't modeled. Set your target rate high enough to absorb ~25–30% for taxes, or fold it into overhead.
Yes. 100% free and fully private — all math runs in your browser.
Everything is calculated in your browser — nothing is sent to Snap. Share links encode your inputs in the URL, so only share them with people you trust.