What is the lowest rate that is not a subsidy?

The sheet opens at $150 an hour and shows $86,560 of profit before the owner is paid anything, which looks comfortable and is not the question. Goal Seek answers the question: $117.56 to break even, $162.53 to pay the owner properly.

Work Starter Goal Seek free

After you install, this is the model to open.

What Rate Do I Have to Charge?

  1. In your spreadsheet, click the Sortia icon in the strip of icons down the right-hand edge. No strip? Click the arrow at the bottom-right to open it. You can also use Extensions, then Sortia, then Open Sortia.
  2. Click Start from a template and put that name in the search box.
  3. Pick the card with that name and click Load this template. It arrives on a new tab with real numbers already in it.

The answer

Three runs of the same model, each answering a different question:

Break-even rate
$117.56 an hour
Rate that pays the owner
$162.53 for $120,000
The difference
$44.97 an hour, 38%
Profit at $150
$86,560 before the owner

The break-even rate is worth keeping somewhere visible, because it is the number that says when a discount stops being a discount and starts being a subsidy. The second run is the one that matters: the distance between covering the costs and paying the owner properly is $44.97 an hour, and that is invisible if you only ever look at profit. A third run makes the point sharper. Hold the rate at $150 and ask realization to carry the target instead, and it comes back at 0.997, which is unreachable: at $150 an hour this practice cannot pay its owner however well it bills, so the problem is the rate and not the write-offs.

The model

A whole practice on one screen: chargeable hours, realization, salaries, on-costs and overhead, with fee income and profit falling out of them. Goal Seek changes the rate until profit hits the target you name.

Chargeable hours2,900
Realization rate92%
Opening rate$150 an hour
Total cost to run the firm$313,640
Rate that hits the targetsolved

Once it is in your sheet

  1. The model arrives with real numbers in it and runs as it stands, so you can press the button first and understand it second.
  2. Change the numbers to yours. The sheet marks which cells are inputs and which hold formulas, and most labels carry a note explaining the row.
  3. Press the run button at the bottom of the panel. It is labeled for the tool you are in, and the result lands on its own tab, with a written reading of it beside the figures.

Never used Google Sheets? Start here goes the whole way, in seven steps, and assumes nothing.