Why this one
Works backwards from the money you want to keep. Take-home, plus tax, plus your business costs, divided by the hours you can genuinely sell — which is never the hours you work. Most people price from their old salary and discover the gap in January.
What you get
- One Excel workbook (.xlsx) with two tabs
- What To Charge — take-home, plus tax, plus costs, divided by the hours you can genuinely sell
- A billable-hours calculation that accounts for quoting, admin, travel and marketing
- Price A Job — materials at cost with a markup you set, plus labour at the rate it worked out
- The tax to set aside on each job, shown alongside the quote
Made for
Anyone setting or reviewing an hourly rate, day rate or job quote.
Not the right fit for
Product businesses pricing on unit cost and volume.
Need more than one? This is also in the UK New Business Starter Bundle 2026/27 (£29.99) — the same files at a lower price than buying them one by one.
Questions
Do I need Microsoft Excel?
No. It imports into Google Sheets, which is free.
Is it a subscription?
No. Pay once and the file is yours to keep.
Can I change it?
Yes. Nothing is locked and every formula is visible.
When do I get it?
Immediately, as soon as payment clears.
Does it connect to my bank or to HMRC?
No. You type the figures in yourself.
What about next year?
This is the 2026/27 edition. April’s version is a separate product.
The SmartSaver promise
Instant download, yours to keep — no subscription. If a file is faulty or not as described, email team@getsmartsaver.co.uk within 30 days for a replacement or a refund. Lost your download link? We re-send it free.
General information to help you keep records and plan — not tax advice, and not HMRC filing software.
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