Never discount a retainer below your utilisation
Retainer vs Project Calculator
A retainer buys guaranteed hours at a lower rate. At 64 per cent utilisation, 80 per cent of your rate is worth taking. Below 64 per cent it is not.
Retainer vs Project Calculator
The most you should discount a retainer is exactly your utilisation on that capacity. Below that you are better off keeping the hours free.
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Three things worth knowing
The test is whether the discounted rate divided by your full rate beats your utilisation. At 64 per cent utilisation a retainer at 80 per cent of your rate is comfortably worth it.
The busier you are, the less discount a retainer is worth. At full utilisation any discount is simply a lower rate.
This does not price the two things a retainer really buys: smoother cash flow, and a client who is easier to keep.
FAQs
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We provide bookkeeping, VAT returns, payroll, tax filings, annual accounts, and advisory services — tailored to freelancers, SMEs, and ecommerce businesses.
Yes. Every client works with a named accountant who knows your business inside out. You’ll never deal with call centres — just direct, personal support.
We’re certified partners with Xero and QuickBooks. Our digital-first approach means you’ll always have real-time access to your financial data.
We offer fixed monthly packages with no hidden fees. Pricing depends on your business size and the level of support you need — but you’ll always know exactly what you’re paying for.
Absolutely. We handle VAT, corporation tax, self-assessments, and payroll tax. We also manage HMRC correspondence on your behalf to ensure you never miss a deadline.
No. While many of our clients are London-based, we also support businesses across the UK and ecommerce sellers worldwide through our cloud-based systems.
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