Split along the grain
Split the quote before you accept
Headline pay is one face. Fees, unpaid time and tax are the other. Split them before you say yes.
A quote looks whole until you split the costs away from what you keep.
| Item | Illustrative example |
|---|---|
| Quoted job | 200 |
| Fees | −16 |
| Materials | −22 |
| Tax set-aside | −30 |
| Remains | 132 |
| Hours including admin | 8 |
| Real hourly | 16.5 |
If that hourly is below your minimum, the split was not worth the job.
Educational content only. Not financial, tax or legal advice; talk to a qualified professional about your situation.