build-the-loaded-rate

name	build-the-loaded-rate
description	Build a billable labor rate that absorbs wage, burden, vehicle, tools, insurance, and overhead, so every hour sold makes money. Reach for this before any estimate or flat-rate book.

Skill: Build the loaded labor rate

A quote on the technician's wage is underwater before it starts.

Step 1 — Sum the cost stack

Wage + burden + vehicle + tools + insurance + overhead per billable hour (§3 #1).

Step 2 — Divide by billable hours

Spread the cost over realistic billable (not paid) hours (§3 #3).

Step 3 — Add the margin

Apply the target margin to set the billable rate.

Step 4 — Sanity-check the market

Compare to the regional service rate, dated/marked (§3 #8).

Output

A fully-loaded billable labor rate with the cost stack and target margin shown.