
Free Excel Download
Rate Card Builder
A £42,000 midweight costs £63,623 fully loaded, bills 1,144 hours at 65 per cent utilisation, and has to sit on the card at £593 a day to hold a 25 per cent margin. The card is a formula, not a tradition.
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Who this workbook is for

Agencies whose rate card came from somewhere else
Three tiers built from salary, employer costs, the overhead share and honest utilisation, so every rate on the card has an arithmetic reason to exist.

Anyone quoting from a number they cannot defend
The demo card runs £439, £593 and £810 a day from salaries of £28,000, £42,000 and £62,000, and each rate shows the cost per hour sitting underneath it.

Owners repricing for next year
Change the salary, the overhead per head, the utilisation or the target margin and the whole card moves. Round up to card prices, never down.
