{"title":"Business Tools","description":"\u003cp\u003ePractical financial tools created by My Texas Tax \u0026amp; Advisory to help small-business owners understand pricing, profitability, cash flow, and the numbers behind better decisions.\u003c\/p\u003e","products":[{"product_id":"know-your-numbers-what-should-i-charge","title":"Know Your Numbers — What Should I Charge?","description":"\u003ch2\u003eStop guessing what your time should cost.\u003c\/h2\u003e\n\u003cp\u003eYou can stay busy, bring in revenue, and still undercharge without realizing it. \u003cstrong\u003eKnow Your Numbers — What Should I Charge?\u003c\/strong\u003e is a pricing and profitability checkup built for one-person service businesses.  \u003c\/p\u003e\n\u003cp\u003eEnter the numbers from your own business and see what your rate must cover—not just the hours you spend doing the work.\u003c\/p\u003e\n\u003ch3\u003eWhat the tool helps you calculate\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eYour current hourly rate\u003c\/li\u003e\n\u003cli\u003eYour break-even hourly rate\u003c\/li\u003e\n\u003cli\u003eYour target hourly rate\u003c\/li\u003e\n\u003cli\u003eYour cash-flow-safe hourly rate\u003c\/li\u003e\n\u003cli\u003eAnnual operating overhead and debt service\u003c\/li\u003e\n\u003cli\u003eEstimated self-employment tax\u003c\/li\u003e\n\u003cli\u003eLabor pricing gaps\u003c\/li\u003e\n\u003cli\u003eMaterial and subcontractor gross profit\u003c\/li\u003e\n\u003cli\u003eGross margin, net margin, and overhead percentage\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch4\u003e\n\u003cmeta charset=\"utf-8\"\u003e \u003cem\u003eIf this calculator helps you correct even a $5 hourly pricing gap, it can pay for itself in less than one working day.\u003c\/em\u003e\n\u003c\/h4\u003e\n\u003ch3\u003eBuilt for the realities of a solo business\u003c\/h3\u003e\n\u003cp\u003eThe workbook accounts for more than revenue and expenses. It helps you consider paid time off, holidays, nonbillable time, health insurance, retirement contributions, materials, subcontractors, business debt, and the income you actually want the business to provide.\u003c\/p\u003e\n\u003ch3\u003eThis is for you if\u003c\/h3\u003e\n\u003cp\u003e\u003cmeta charset=\"utf-8\"\u003eYou run a one-person service business—such as HVAC, plumbing, electrical, handyman services, landscaping, cleaning, mobile repair, consulting, or another skilled service—and need to know what your billable time must actually earn.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eYou perform most or all of the work yourself\u003c\/li\u003e\n\u003cli\u003eYou set prices from experience, instinct, or competitor rates\u003c\/li\u003e\n\u003cli\u003eYou are busy but cash still feels tight\u003c\/li\u003e\n\u003cli\u003eYou want a clearer way to evaluate what you should charge\u003c\/li\u003e\n\u003cli\u003eYou want useful answers without building a complicated financial model\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat you receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eA guided pricing and profitability workbook\u003c\/li\u003e\n\u003cli\u003eMicrosoft Excel and Google Sheets access\u003c\/li\u003e\n\u003cli\u003eInput, results, and learning sections\u003c\/li\u003e\n\u003cli\u003ePlain-language explanations of the major numbers\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eOne-time purchase: $27\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eDigital product. No physical item will be shipped.\u003c\/em\u003e\u003c\/p\u003e\n\u003ch3\u003eImportant\u003c\/h3\u003e\n\u003cp\u003eThis tool is for educational and business-planning purposes. Results depend on the accuracy and completeness of the information entered. It is not individualized tax, legal, accounting, or financial advice and does not guarantee a particular business result.\u003c\/p\u003e","brand":"My Texas Tax \u0026 Advisory","offers":[{"title":"Default Title","offer_id":50291790086361,"sku":null,"price":27.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0835\/7190\/0633\/files\/know-your-numbers-cover.png?v=1789928308"}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0835\/7190\/0633\/collections\/mtta-logo-square.png?v=1789926736","url":"https:\/\/mytexastaxco.com\/collections\/business-tools.oembed","provider":"My Texas Tax \u0026 Advisory","version":"1.0","type":"link"}