What you actually need to charge — after taxes, overhead, vacation, and the half of every week you'll spend on emails, sales, and admin.
| Take-home target | — |
| + Tax | — |
| + Benefits | — |
| + Overhead | — |
| Annual revenue needed | — |
| ÷ Billable hours / yr | — |
Most solo operators bill 50-60% of their clock hours because the rest gets eaten by follow-up calls, scheduling, intake forms, no-shows, and writing the same proposal a hundred times. That's the exact slice our verticals automate — VitalCoach for coaches, Horizon for talent, SiteLine for trades. Same week, more billed hours, same salary, lower rate.