Lead magnet · runs in the browser

Quote vs cost

Type the number you quoted. Add your hours, the helper, the miles, the chemicals, the dump, the card cut. If the quote is below true cost, the box goes red. Raise the number or skip the job.

This is an estimate, not tax advice, not a bid template, and not a filed return. Owner labor is your opportunity cost — you cannot deduct pay to yourself on Schedule C. Mileage uses the 2026 IRS business standard rate for the job date (IRS mileage rates).

Free tool · estimate only

Quote vs cost

Mileage: $0.725/mi before Jul 1 2026, $0.76/mi on or after. Owner labor is opportunity cost, not a Schedule C wage.

Quote covers true cost

Quoted price covers cash out of pocket plus your target labor. Still an estimate — not a bid template and not tax advice.

Mileage rate (2026-08-30): 0.760 / mi
Owner labor (economic): $180.00
Helper labor: $0.00
Mileage cost: $16.72
Chemicals / materials: $35.00
Dump / disposal: $25.00
Card / app fee: $12.33
Cash leaving the business: $89.05
True job cost: $269.05
Contribution margin: $155.95 (36.7%)
Effective hourly on your time: $83.99

True job cost = owner labor + helper + miles + chemicals + dump + card fee. Contribution = quoted − true cost. Effective hourly = (quoted − cash cost) ÷ owner hours. Cash cost excludes owner labor. Label: estimate, not tax advice.

The math

Cash cost = helper labor + miles × rate + chemicals + dump + (quoted × card fee %). True job cost = cash cost + owner hours × hourly labor cost. Contribution = quoted − true job cost. Effective hourly = (quoted − cash cost) ÷ owner hours.

Mileage split

Job dates January 1–June 30, 2026 use $0.725 per business mile. July 1–December 31, 2026 use $0.76. The rate is not “IRS approved” by this site; it is the published standard mileage rate. Confirm at IRS.gov before you file.

Keep the year

This page prices one job. The $97 Field Kit logs 250 of them, plus expenses, miles, and the September 15 estimated-tax picture. Books is the $49/mo version when it exists.