Free tool · 60 seconds

What are you actually making per job?

Labor and materials are the costs you see. Overhead is the cost you forget to allocate. Most contractors who run this calculator discover their real margin is 8-12 points lower than they thought.

A typical job

Move the sliders to match your numbers.

// YOUR MONTHLY OVERHEAD

Fix my margin →
// WHAT YOU THINK
72.4%
LABOR + MATERIALS ONLY
// WHAT YOU ACTUALLY MAKE
59.1%
AFTER OVERHEAD ALLOCATION
// OVERHEAD / HR
$75
// OVERHEAD THIS JOB
$600
// MARGIN GAP
13.3%
// WHERE THE $5K GOES
Labor$440 · 9.8%
Materials$800 · 17.8%
Overhead share$600 · 13.3%
True profit$3K · 59.1%
// ANNUAL OVERHEAD UNDERALLOCATION AT CURRENT PRICING
$173K
in overhead your pricing is not recovering across 24 jobs/mo over 12 months
The blind spot

You see labor and materials. You forget overhead.

Every truck payment, insurance bill, and software subscription gets paid whether you run 1 job this month or 40. The question is which jobs carry it. When you price using only labor and materials, you assume overhead costs nothing.

Then you wonder why the month looks fine on paper but the bank account does not match the numbers.

Truck payments + insurance$800 – 2,400 / mo
Software (CRM, estimates, phone)$300 – 1,200 / mo
Office / admin salaries$2,000 – 6,000 / mo
Marketing + advertising$500 – 3,000 / mo
Accounting + legal$200 – 600 / mo
Owner draw above manager wage$3,000 – 8,000 / mo
// TYPICAL TOTAL · $2M REVENUE BUSINESS
$14,000 – $28,000 / mo
Industry benchmarks

True margin benchmarks by trade.

After full overhead allocation. Tracked financials, not self-reported survey numbers.

HVAC
Equipment margin + service contracts drive premium operators
12%
BOTTOM
18%
AVG
28%
TOP Q
Plumbing
Emergency rate premium compensates for dispatch complexity
10%
BOTTOM
16%
AVG
26%
TOP Q
Electrical
Permit and inspection overhead bakes into low-margin jobs
9%
BOTTOM
15%
AVG
24%
TOP Q
Roofing
Storm work compresses margins through material cost spikes
8%
BOTTOM
14%
AVG
22%
TOP Q
Landscaping
Labor intensity without membership = margin compression
7%
BOTTOM
13%
AVG
21%
TOP Q
Painting
Crew efficiency and job sizing are the primary margin levers
8%
BOTTOM
15%
AVG
23%
TOP Q

// TRUE EBITDA MARGIN AFTER FULL OVERHEAD ALLOCATION · NOT GROSS MARGIN

Pricing rules

5 rules for pricing to real margin.

01
Know your overhead rate before pricing anything

Divide total monthly overhead by billable hours. That is your true cost per hour beyond labor. Most contractors find it is $35-65/hr when they calculate it the first time.

02
Price to margin, not to markup

A 25% markup is not a 25% margin. 25% markup = 20% margin. Price to the margin you want to keep, not the number you apply to cost.

03
Allocate overhead per hour, not per job

A 1-hour service call and a 40-hour installation both pull from the same monthly overhead pool. Allocate proportionally or you subsidize small jobs with large ones.

04
Measure margin per job, not just per month

Monthly margin variance above 8% is a symptom of unmeasured job-level losses. Three bad jobs in a month can erase what looks fine on paper.

05
Reprice by job category, not across the board

Some job types carry your margin; others erode it. Blanket price increases miss the opportunity to selectively reprice the jobs where you leave the most money.

// YOUR JOB MARGIN ANALYSIS

Get the full breakdown as a PDF.

Overhead rate, job-level margin, annual underallocation, and a pricing fix roadmap. In your inbox.

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Questions

About job margin and overhead.

Command gives you real-time job margin.

Same-day job costing. Overhead allocated automatically. See your real margin before the invoice goes out.