1099/Money DeskTax year 2026

Pricing · 2026

Client Profitability Calculator

Your worst client is rarely your smallest. Enter the real hours, including the ones you never invoiced.

$
$

Meetings, scope creep, revisions, chasing payment, email.

$
Effective hourly rate$133.33
Gross profit
$18,000
Profit margin
90.0%
Total hours invested
135
Share of hours unbilled
25.9%
Gap to your target rate
-$16.67
Verdict
Below target — tighten scope
Estimate only. This calculator uses published federal rates for tax year 2026 and does not account for state tax, credits, or your full situation. Use the separate state calculator for a state-rate estimate. It is not tax or financial advice. Rates last verified 2026-07-25.

Transparent method

How this calculator works

  1. Subtract direct client costs from invoiced revenue to get gross profit.
  2. Divide gross profit by billed plus unbilled hours to get the effective hourly rate.
  3. Compare that rate with the target rate and quantify the gap.

What the result does not include

  • General business overhead is not allocated unless entered as a direct cost.
  • The verdict is a screening signal, not a recommendation to terminate a contract.

Common questions

What counts as an unbilled hour?

Anything you would not have done for any other client: status calls, revision rounds beyond scope, rewriting a brief they changed, following up on a late invoice. Track it for one month before running this and the number will surprise you.

When should I actually drop a client?

When the effective rate is far below target and the gap comes from behavior rather than pricing — because a rate increase will not fix a client who generates unbillable hours. Raise the price first; treat resignation as what happens when they accept the raise and the behavior continues.