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The Builder's Money Toolkit
Four quick calculators built specifically for Australian builders and trades. Job profit, true charge-out rate, EOFY deductions and a 4-week cash-flow forecaster — all free, all in your browser, no email required.
Tool 2 · True Charge-Out Rate
What must you charge to actually make money?
Most trade businesses undercharge because they forget overheads and unbillable time. This works out the honest minimum.
$
%
$
Typical full-time = 1400 after leave & downtime.
%
Rule of thumb: if your true rate is well above what you're currently charging, either raise prices, reduce overheads, or sell more billable hours.
$167/hr
Minimum charge-out rate
True cost of the person$48/hr
Overhead recovery / hr$86/hr
Cost to break even$133/hr
Verdict: Charge at least $167/hr on billable time to hit your 20% profit target.