HomeSwerv Pro · Field Tools

Know Your Number
Before You Quote

Stop padding estimates blindly. Build your bid from real costs — labor, overhead, risk, and a margin you can actually live on.

1
Job Details
2
Costs
3
Overhead
4
Results
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Job Details
What kind of job is this? Scope determines risk.
10%
5% · Repair 10% · Install 20% · Remodel 30% · Complex
Low risk — straightforward scope, familiar job type. You know what you're walking into.
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Materials & Subcontractors
Direct job costs. Include everything you'll purchase or hire for this job.
$
%
$
$
$
$
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Labor
Your loaded labor cost — what it actually costs to put a tech on the job.
$ /hr
30%
Add 25–35% for taxes + workers comp. Add more if you provide benefits.
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Overhead Allocation
Every job must carry its share of keeping your business running.
$
Calculated overhead per job: $500
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Target Profit Margin
What you keep after all costs. This is margin — not markup.
20%
10% · Tight 20% · Standard 30% · Good 40% · Premium
⚠️ Markup vs Margin — Know the Difference
Your costs$0
Using markup (common mistake)$0
Using margin (correct method)$0
Money left on the table$0
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Your bid is calculated.

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Minimum Viable Bid Price
$0
Covers all costs + overhead + your target margin
Cost Composition
HomeSwerv Pro · Field Tools for Home Service Professionals
This calculator is for estimation purposes. Always verify local labor rates, material costs, and permit requirements.
Margins and overhead allocations vary by market and business size.