A panel for the lower week
Panel the quote with real costs
Fees, admin and tax belong in the lining. Leave them out and the week shows every knock.
A headline rate is bare plaster. The lining is what you keep after the cut.
| Item | Illustrative example |
|---|---|
| Quoted job | 165 |
| Fees | −13 |
| Materials | −18 |
| Tax set-aside | −24 |
| Remains | 110 |
| Hours including admin | 6.5 |
| Real hourly | 16.9 |
If that hourly is below your minimum, the panel does not cover the knock. Skip or reprice.
Educational content only. Not financial, tax or legal advice; talk to a qualified professional about your situation.