Universal Business Calculator Bundle — 10 Professional Excel Calculators (Works for Any Trade)
A trade-specific bundle fixes the pricing on one job. This one fixes the math that sits underneath all of them. Overhead you have not allocated. A tax bill you brace for instead of plan for. An hourly rate you set by feel and never revisited. An employee who costs half again more than you figured. Get the rate wrong by $15 and you do not lose it once — you lose it on every billable hour you work this year. At 1,350 hours, that is $20,250 gone before a single job goes wrong.10 Excel calculators for any trade, pre-filled with 2026 US benchmarks. Fix the foundation. Yours forever.You did not go into business to do spreadsheets at 9pm. So you do not.You know the trade. The business side you run on instinct — a rough sense of what overhead costs, a tax bill you estimate in your head and brace for in April, a hire you made based on what you could afford to pay rather than what they would actually cost you, a truck you financed because the payment felt manageable.None of it is careless. You are running a business on top of a trade on top of a full schedule, and the financial side gets the time that is left over — which is never much.The cost of that is not one bad decision. It is the slow loss of a rate that is $12 too low, overhead that never made it into a quote, a tax bill that erases the quarter you thought was strong, and an employee who turned out to cost $18,000 more than the wage you agreed to. Each number is fixable in an afternoon, if you have the right tool. This is ten of them.WHAT'S INSIDE — 10 PROFESSIONAL EXCEL CALCULATORS Business Health Check — Start here. Enter your rate, overhead, vehicle cost, billable hours, and tax rate. Your true cost per hour, break-even rate, and the rate you need to charge come out in under 5 minutes. On its own, this tab pays for the bundle. Markup vs Margin Calculator — The most expensive mix-up in the trades. A 30% markup is not a 30% margin — it is 23%. That 7-point gap comes out of your pocket on every job you price. Fix this once and it changes every quote you write. Overhead Cost Allocator — Every dollar you spend to keep the doors open, totaled and divided into one number: your true overhead cost per billable hour. Most contractors find they have been pricing $10 to $25 per hour below what they need — on every hour, all year. This is the single biggest recoverable gap in the bundle. Based on industry pricing gap data — individual results will vary. Vehicle and Fleet Cost Calculator — Payment, insurance, registration, fuel, maintenance, and depreciation calculated to a real daily and per-job cost. When the vehicle number goes into the quote, it stops coming out of your margin. Tax Estimator — Federal income tax, state income tax, and self-employment tax estimated by quarter — so April is a planned expense instead of a surprise. Estimate only — confirm with your CPA. Employee Cost Calculator — Payroll taxes, workers comp, general liability, tools, training, and downtime — the all-in cost of an employee lands at 1.4 to 1.5 times their hourly wage in most states. See the real number before you make the hire. Cash Flow Planner — Revenue in, expenses out, all 12 months, with a running monthly balance. This is how you see the slow season coming while there is still time to plan for it. Hire or Subcontract? — The true cost of an employee versus a sub for the same work, what bringing on a hire frees you up to do, and what those hours are worth in higher-margin work. The right answer is different at $100K than at $300K. Equipment Finance Calculator — Before you sign for the next vehicle, trailer, or piece of equipment: the monthly payment, total interest, total cost of ownership, and the revenue break-even. Turns a feeling into a number you can rely on. Business Pricing Audit — 12 questions about the business itself — not a single job. Each gap, priced in annual dollars. Most contractors find 2 to 3 percent of net margin they can recover within 60 days of closing the gaps this audit identifies. Based on industry pricing gap data — individual results will vary. ALSO INCLUDED — 3 PROFESSIONAL TEMPLATES Professional Invoice Template (.docx) Email Quote Template (.txt) Job Proposal Template (.docx) PRE-FILLED WITH VERIFIED 2026 US BENCHMARKSSE tax: 15.3% | Federal: 22% bracket | State: 0–13% | Monthly overhead: $1,500–$2,500 | Monthly vehicle: $800–$1,200 | Employee all-in: 1.4–1.5x wageEvery number unlocked. Update any cell for your state, your situation, your business.Pairs with any trade-specific bundle — the trade bundle prices the work, this one runs the company. Together they cover every number from a single quote to your year-end tax bill.Instant download. Optimised for Excel 2016+. Compatible with Google Sheets for basic use. No subscription, no login, no app. One payment, yours forever.GUARANTEERun the Business Health Check and the Overhead Allocator. If they do not show you money you are leaving behind on every billable hour you work, refund within 30 days. No questions, no forms. The risk is ours.tradetoolcalc.com
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