About the project
About Contractor Money Tools
Contractor Money Tools is for U.S. contractors and home-service business owners who need clearer answers about labor costs, employee costs, pricing, and profitability.
Tools first
Calculators built around practical decisions
The calculators are the product. Supporting explanations show the formulas, define important terms, and make assumptions visible so business owners can understand what drives each result.
Current tools work without a user account. They are designed for planning and educational use, using business-specific inputs that users can review and edit.
Methodology principles
Clear distinctions, fewer hidden assumptions
- Separate wages from true labor cost.
- Distinguish markup from margin.
- Distinguish hours worked from hours billed.
- Expose important assumptions instead of hiding them.
- Explain calculations in plain English.
Planning context
Your assumptions determine the result
Costs and pricing vary by business, location, tax treatment, insurance, workers’ compensation rates, employee classification, and other circumstances. Calculator results are estimates based on the values entered.
Contractor Money Tools provides business planning calculators and educational information. It does not provide tax, accounting, legal, insurance, investment, or financial advice.
Explore the calculators