Most rate sheets tell you what other people charge. This one figures YOUR number, backward from what you want to keep: enter your target take-home, your overhead, the share you set aside for tax, and — the part everyone gets wrong — your REAL billable hours, not a fantasy 40. Out comes the hourly, day, and week rate you have to average to actually pay yourself. Then log your projects and watch whether the work is really hitting that rate.
Price from what you
want to keep — not a guess.

A back-into-it rate calculator, a project profit tracker, and a one-glance dashboard — so your rate is a number, not a hope.
Enter what you want to actually pay yourself after tax, your annual overhead, and the share of revenue you park for taxes. The sheet works out the revenue you must bill to get there.
Working weeks, days per week, and the honest billable hours in a day — rarely eight. Dividing by fantasy hours is the classic freelancer mistake; this makes you use the real number.
Required hourly, day, and week rate — plus a monthly revenue target, your utilization, and a round-up-for-quoting suggestion. The rate you have to average to hit your goal.
Enter a project's quoted fee and hours; the effective rate figures itself and lands Above or Below your target at a glance. Twenty rows, color-coded.
The dashboard shows your blended effective rate across all logged work — total fees ÷ total hours — next to the rate you were supposed to charge. The truth about your year.
Every number is a live formula. Nudge your take-home target, tax %, or billable hours and the whole rate recalculates instantly — no rebuilding anything.
$16, once. Completes the Freelancer Finance Pack alongside the Invoice Generator + Tracker and the Self-Employed Tax Deduction + Mileage Tracker — the set that answers what to charge, what you're owed, and what to set aside.
Available soon
Payment, payoff date, and every month in between — plus what an extra payment really saves you. Works for any fixed-rate loan.

A full year of designed two-minute safety talks — 52 one-page talks, each with a matching sign-in + quiz record sheet, an annual topic calendar, and the delivery method. Now with every talk as an editable PowerPoint deck and Word sheet, so you can put your company on it.

The Spanish edition of our 52-Week Toolbox Talk System: a full year of designed, two-minute jobsite safety talks — in Spanish — each with a matching sign-in + quiz record sheet, an annual topic calendar, and a delivery guide. For crews that run their talks in Spanish. Charlas de seguridad, listas para leer.
Every bid on one dashboard — pipeline value, hit rate, what's due in the next two weeks — plus a line-item estimate worksheet that builds the bid price itself, from divisions to overhead, profit, and contingency.

Give every bill a paycheck and see exactly what's safe to spend from each check — 26 paychecks mapped, a 60-bill register, and one dark dashboard that does the math.

Bill a progress payment in minutes — an original AIA-style application for payment with a schedule of values, retainage on work and stored materials, and change-order math that ties out to the cent. The application foots every time.

A superintendent's daily field log: one row per day — weather, crew, man-hours, deliveries, delays, safety — that rolls up to man-hours, lost days, and delay causes on a live dashboard, plus a print-ready daily report form for the trailer.

List up to 20 debts, pick snowball or avalanche — see your debt-free date and the interest you'll never pay.

Take bookings on your own site and keep the fees: a complete direct-booking website for short-term rentals — live calendar, card payments, Airbnb & VRBO sync, demand pricing, and a real automation API. You own the code; no monthly SaaS. One repeat guest a year pays for it.

One model, two exits: run a Fix & Flip and a BRRRR off the same numbers — net profit, ROI, the 70% rule, cash-out refinance, cash flow, and cash-on-cash — fed by a rehab budget you estimate the way a contractor does, by construction division. Four tabs, pure formulas, no macros.

A 12-week goal workbook held lightly: tiny-rung ladders, light weekly check-ins, and a mid-season permission slip. From our Daily Reset line.

The design file with real numbers: an FF&E schedule that costs itself (qty × unit → extended price, procurement status), a room-by-surface finish schedule, a budget that pulls its actuals straight from your FF&E selections, a client intake questionnaire, and a live rollup dashboard. Six tabs, pure formulas, no macros.
Send a clean invoice — and always know who still owes you. A fillable, printable invoice plus a tracker that shows what's outstanding, what's overdue, and what got paid this month, with an aging breakdown. No subscription, no per-invoice fee.
Every project's budget, committed costs, and actuals on one dark dashboard — cost to complete, projected at completion, and the margin you're actually going to make, by cost division, with OK / WATCH / OVER status on every line.

Ten photocopy-ready forms that run the documentation layer of a jobsite safety program — inspections, incidents, near misses, pre-task plans, orientation, and the logs in between. PDF plus editable Word versions of every form.
Your whole rental portfolio in one workbook: a rent roll (with a live lease-expiration engine), a rent ledger, and a maintenance log that roll up to occupancy, collections, expiring leases, and open repairs on one dashboard. For small-portfolio, long-term-rental landlords.
Every professional license across all 50 states on one dashboard — with a US map that heat-shades by license count.

A repeatable method for capturing a person's memories, voice, and wisdom before the window closes — interview frameworks, a question bank for a year of Sundays, the archive system, and an honest guide to the AI layer on top.

A construction punch list that rolls itself up: log each item once and the dashboard shows percent complete, open work by trade, what's overdue, and where your closeout deliverables stand — warranties, O&M, as-builts, permits. Four tabs, pure formulas, no macros.
Your whole reselling year on one dashboard — true net profit after fees and shipping, inventory on the shelf, sell-through, days to sell, and which platform is quietly earning the most. eBay, Poshmark, Mercari, Depop, Etsy.

Track every tenant security deposit through its whole life — held, where it's held, itemized move-out deductions, and the state return deadline — so a missed return window never becomes a penalty. Pairs with the Landlord / Rental Property Tracker.
For 1099 contractors, freelancers, and gig workers: log expenses by IRS Schedule C category and business miles by trip, and the workbook totals your deductions, maps them to Schedule C, and estimates the tax they save. A record-keeping tool — not tax advice.

Every invoice and expense in one place — and a P&L that updates itself: an income ledger with invoice status, an expense ledger with category dropdowns, and a month-by-month dashboard with a year at a glance.

A beautiful, fully editable house manual for your short-term rental: Wi-Fi, check-out, how everything works, house rules, your local favorites, and safety — all in one polished guidebook. Replace the blue example text with your details, delete the tips, print it or save a PDF for a QR-code digital guide. Editable Word template + a filled sample PDF.

Every booking and expense across your Airbnb & VRBO listings in one workbook — with per-property P&L, occupancy, ADR, cleaning and platform fees, and net profit figured for you. Multi-property, formula-driven, no macros.
Never run short mid-turnover. Set a par level for every supply in every property, log what's on hand, and the sheet computes the reorder quantity, the restock cost, and an OK / Reorder / Out status — with a dashboard that totals your shopping run by category and by property. Two tabs, pure formulas, no macros.

Not a static printout — a trackable turnover QA system. ~48 tasks across 8 zones, each with a critical flag and a done check, plus a live engine that shows your completion %, tasks remaining, and the critical items still open before you hand the property over. Two tabs, pure formulas, no macros.
Every subcontractor's certificate of insurance in one register that watches the expiration dates for you — flagging who's lapsed, who's about to, and who's missing a required policy before they set foot on your site. Type the dates; the workbook tracks the rest.

Two logs every project lives by — a submittal register and an RFI log on one dashboard that shows, at a glance, what's open, what's overdue, and whose court the ball is in. Type your entries; the workbook counts the rest.

Document every time & material extra: a signable field ticket for labor, material, and equipment (each with its own markup), plus a running log of every ticket and a dashboard that surfaces your UNBILLED EXPOSURE — the approved work that hasn't hit an invoice yet. Four tabs, pure formulas, no macros.
Compare rental applicants side by side on the same lawful criteria — income ratio, credit, rental history, references, background — with a built-in fair-housing & FCRA checklist. It does the income math and keeps the record; you make the decision.

A guided capture kit for loud minds: prompted brain-dump page, a calm four-pile sort, tiny first steps, a bedside night page, and pocket cards. From our Daily Reset line.

A calm one-page daily planner for busy minds: brain-dump, pick just three, break down the scary task, end the day with proof. From our Daily Reset line.

A calm month-ahead ritual: dump it all, pick just three things, keep one gentle habit, close the month with proof. From our Daily Reset line.

The complete Daily Reset collection — Daily, Weekly, and Monthly Resets, Gentle Goals, and the Brain Dump, with a Start Here guide. $56 separately, $39 together.

A ten-minute Sunday ritual: dump the week, pick three, match heavy work to your good hours, close kindly on Friday. From our Daily Reset line.

Four photocopy-ready forms that turn safety talks into documentation: sign-in sheet, briefing record, meeting minutes, and a 52-week annual log. Keep the binder audit-ready.

Model the velocity-banking mortgage-payoff strategy with your own numbers — chunk from a line of credit, funnel your cash flow, and watch the payoff. Compared honestly, side by side, against minimum payments and plain extra principal.