Business money & costs
Service-job break-even
Understand the minimum before setting the price.
A real excerpt from this edition. Fictional example data.
NT-127 / Decision pack
Calculate a cost basis before choosing a selling rate.
Spread annual people-related costs and allocated overhead across realistic productive hours. Keep the result distinct from an hourly selling price or take-home income.
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Start with the decision
Freelancers and small service owners estimating delivery cost.
Enter actual or explicitly estimated pay, employer-related cost and allocated overhead. Avoid double-counting an item already included in another figure.
Use working days after leave and non-working time, hours per day and the share actually available for productive delivery.
Check whether the productive share is realistic. A low available-hours assumption can change cost materially; test it before using the result in a quote.
A look inside
Fictional values from the workbook. Amounts are illustrative currency units, not a market rate or a customer result.
An entered-cost allocation model, not payroll, tax or employment advice.
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Each product includes a PDF guide, an editable Excel workbook, a fictional worked example, a blank worksheet with 50 prepared rows and a decision log. Working kits also include an implementation plan and an adaptable message. The exact file list is on each product page.
A PDF reader and spreadsheet software that supports standard .xlsx formulas. The workbooks contain no macros or external data connections. Formula results depend on your inputs and your spreadsheet software recalculating them. No paid AI account is required.
Business money & costs
Understand the minimum before setting the price.
Business money & costs
Check the hours before saying yes.
Business money & costs
See what changed in the cost base.