Most trades business owners know their hourly rate - but not the real number. Super, WorkCover, leave, non-chargeable days, productivity… it all adds up. Calculate the true cost per person and the rate you need to charge to actually make a margin.
Based on 38hrs/wk · 85% productivity · NSW 2026
BUILT FOR TRADES AND
CONSTRUCTION
INCLUDES SUPER, WORKCOVER
AND LEAVE
ADD YOUR FULL TEAM AND
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The gap between what you pay someone and what they actually cost you is where most trades businesses quietly bleed margin.
What vs The reality
Superannuation
Workers Compensation
Annual Leave
Sick Leave
Public Holidays
Non-chargeable days
Productivity rate
Just the beginning
+12% on top
+3–5% depending on trade
20 days you still pay for
10 days per year, NES
11 days in NSW
Rain, travel, training…
Only ~85% is billable
The calculator gives you the number. But knowing your charge-out rate is only half the job. The other half is making sure your books, your invoicing, and your reporting are actually set up to protect that margin — every single job, every single month.
That's exactly what we do at The Accounts Department. We work with trades and construction businesses across Sydney to get their numbers clean, their reporting clear, and their cash flow under control — so the business actually works as hard as they do.
No pressure. Just a straight conversation about your numbers.

Financial clarity for builders & trades businesses.
Know where your money is actually going.
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