100% Free Client-Side Utility • Zero Signup Required

Price Every Project for True Net Profit

Calculate your real minimum hourly & sprint floor after self-employment taxes, reverse payment processor fees to the exact cent, and audit scope creep risk before sending a proposal.

Your Operating Inputs

LIVE_CALC_V1

Target Annual Net Take-Home Pay After taxes & expenses

$ / yr

Annual Software & Business Overhead Tools, hosting, gear, accounting

$ / yr

Effective Tax Reserve Rate (28%) Self-employment + income tax

Weeks Off Per Year (5 wks) Vacation, holidays & sick days

Total Desk Hours / Week (40h) & Billable % (60%) Excludes admin, sales & emails

Minimum Safe Pricing Benchmarks

1,128 billable hrs/yr

Minimum Safe Hourly Floor

$132.27 / hr

Includes 15% scope/profit buffer + tax set-aside

Full Day Rate (8h)

$1,058

VIP Day / Advisory Block

Weekly Sprint Rate

$3,492

Dedicated 1-Week Build

Annual Gross Target

$149,270

Required Top-Line Billing

20h Project Anchor

$3,307

Fixed Quote (+25% Shield)

Where Every Gross Dollar Goes Tax Reserve: $35,000/yr

Net Take-Home Tax Reserve Overhead

Want to track actual client invoices & auto-calculate quarterly taxes? Grab our 5-Tab Automated Excel/Sheets CFO System + Anti-Scope-Creep Contract Pack.

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Reverse Payment & Marketplace Fee Calculator

Enter the exact net payout you want in your bank account — see what you must invoice so fees never eat your margin.

Net $

Platform / Processor	Standard Fee Rate	Exact Amount to Invoice	Fee Deducted	Net You Keep	Action

Include payment processing & late-fee protection directly in your contract. Our editable DOCX Service Agreement + 25 Client Money Scripts are ready to use in 5 minutes.

Download Contract + CFO Kit ($29) →

Pre-Kickoff Scope Creep Checklist

CHECK ALL THAT APPLY

Quoted Project Value ($) Used to estimate margin leak

No explicit "Out-of-Scope" exclusion list in SOW

Client assumes copywriting, extra pages, or post-launch support are included free.

Revision rounds are uncapped or vaguely worded

"Until you're happy" routinely turns 10-hour projects into 35-hour nightmares.

Starting work with less than 50% upfront deposit

Exposes your calendar to ghosting and unpaid cancellation risk.

Multiple client stakeholders giving uncoordinated feedback

No single designated point-of-contact leads to contradictory rewrites.

Final source files handed over BEFORE 100% final payment

Eliminates all leverage when collecting the closing milestone invoice.

No 1-page Paid Change-Order rule for "quick tweaks"

Small daily Slack favors quietly erase 20–35% of your effective hourly rate.

Scope Vulnerability Diagnosis

MODERATE RISK

Estimated Unpaid Scope Leak

$700 – $1,050

Risk Score: 40 / 100 — Protect revision caps & exclusions before kickoff

Instant Protective Sample Clause (Preview):

"REVISION CAP & CHANGE ORDERS: The Project Fee includes up to two (2) rounds of consolidated written revisions within 5 business days of preview. Any feature, page, or task not explicitly listed in Exhibit A requires a signed Paid Change Order prior to execution."

Need the complete Master Agreement + SOW + 1-Page Change Order + 25 Client Scripts? Download the full editable pack instantly.

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Complete Operating System • Instant .ZIP Download

Upgrade to The Solo Operator Profit & Scope Kit

Everything you need to price profitably, lock down client contracts, and handle awkward money conversations like a seasoned studio.

01 • .XLSX (EXCEL & SHEETS)

5-Tab Automated Solo CFO System

Live Executive Financial & Goal Dashboard
Dynamic True Rate, Day Rate & Sprint Calculator
Reverse Fee Table (Stripe, PayPal, Upwork, Gumroad)
Client Income & Automatic Tax Reserve Ledger
Monthly SaaS & Overhead Burn Tracker

02 • .DOCX (WORD & DOCS)

Client Defense Contract Pack

Master Independent Services Agreement
IP Ownership Holds Until 100% Payment Clears
50% Deposit, Late Fee & 14-Day Ghosting Restart Fee
Clean Statement of Work (SOW) Template
1-Page Paid Change-Order Authorization Form

03 • .PDF PLAYBOOK

25 Client Money & Scope Scripts

5 Scripts to Deflect "Quick Free Tweaks" Politely
5 Scripts to Raise Rates & Anchor 3-Tier Quotes
5 Escalating Overdue Invoice Recovery Templates
5 Scripts to Convert Projects into Monthly Retainers
5 Scripts to Decline Unpaid Spec Work & Bad Fits

Download The Complete Kit — $29 USD → Or Grab Free 5-Script Sample PDF ($0+)

Instant Digital Delivery via Gumroad • Unlocked Files • Commercial Single-Operator License