Am I underpriced?

Six numbers, about a minute. Find the hourly rate that actually covers your business and your paycheck — and what charging less costs you in a year.

Free tool · no email needed

01 / Six numbers

Your numbers

Sample numbers are filled in so you can see how it works. Replace them with yours — results update as you type. Nothing you enter leaves your phone.

Truck payment, fuel, insurance, phone, tools, software, license, advertising — per month.
What you want to pay yourself for the year.
52 minus vacation, holidays, sick and weather days.
02 / The answer

Your real rate

Billable hours per year —
Break-even loaded rate — Covers overhead + your pay. Zero profit.
Target rate at % margin — —
Gap per hour — —
Left on the table per year — Gap per hour × your billable hours.

An estimate from the numbers you entered — not financial or tax advice.

03 / 60-second explainer

30% markup is not 30% margin

Markup is what you add on top of your cost. Margin is how much of the final price you keep.

A job costs you $1,000. You add 30% markup → you charge $1,300. You keep $300, which is 23% of the price, not 30%.

To actually keep 30%, you need about 43% markup. The bigger your target margin, the wider the gap gets.

Your margin is
23.1%
Mark up by
42.9%
04 / Free starter sheet Free

Get the free 25-task starter price sheet + my full setup guide

A starter sheet of 25 common tasks that prices off your rate, plus a step-by-step guide to setting your numbers up right.

One email with the sheet, then occasional pricing tips. Unsubscribe any time. See our privacy policy.

05 / Next step

Now price the actual job.

The full True Rate kit takes this rate and turns it into prices: an ~80-task price book, a Price This Job calculator with trip and minimum charge, a markup↔margin converter, a "Was I Right?" estimate-vs-actual tracker, a client estimate, and Get Paid Texts.

Get the kit — $39 See what's inside

One-time purchase. Google Sheets or Excel.