Most small businesses undercharge without realizing it. Enter your costs and what you charge, and this shows your true cost per job, the price that hits your target margin, and exactly how much you're leaving on the table.
Your cost per job
Your pricing
Planning estimate only — general information to help you think it through, not financial, tax, or legal advice. Your numbers stay in your browser.
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What a small price increase does to your margin and monthly profit at your current volume:
| Price | New price | Margin | Monthly profit |
|---|
The tipping points around your result — so you know the conditions, not just the answer:
True cost per job = materials + (labor hours × labor rate) + overhead ÷ jobs per month. Overhead is the fixed cost each job has to help carry, which is the part most people forget when they price.
Price for your target margin = true cost ÷ (1 − target margin %). Margin is measured on the selling price, the way a healthy business quotes it — not marked up on cost.
A planning estimate using your inputs — not financial advice. Prices also depend on your market and competition; treat this as your floor, not your ceiling.
Compare your price to two numbers: your break-even price (your true cost per job) and your target price (cost plus the margin you want). If your price is above the target you're charging enough; between cost and target you're undercharging; below cost you lose money on every job.
Materials and direct costs, the labor hours the job takes times your labor rate, and a share of your monthly overhead — rent, insurance, software, vehicle — divided across the jobs you do. Leaving overhead out is the most common reason small businesses quietly undercharge.
No. It's a planning estimate from your own numbers to show your break-even and target price. What the market will bear depends on your competition and positioning, so treat the target as a floor to protect your margin, then price to the value you deliver.
Last reviewed: September 2026. Free to use, no signup — a ToolWise Digital decision engine.
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