Not a guess. Your loaded labour rate, the overhead you really carry, the margin you decided on — solved both directions.
It is free right now, on purpose. I am checking whether this is worth building properly. The maths stays free; what may later become a one-time paid pack is the finished file, the industry line-item sets, and a printable sheet. Nothing is hidden behind a login, and .
No rates are baked in. Insurance, tax and material prices stay blank until you type them — which is why this file does not need a yearly update to stay correct. RateSheet is a spreadsheet-shaped calculator, not advice: it is not tax or legal advice.