Growth & Planning

Portal tool

Contract Profitability Analyzer

Enter a contract's value, term, upfront and monthly costs, payment schedule, retainage, and financing cost to see the net margin you actually keep after paying to fund the work.

  • 5-minute tool
  • Free in your portal
Growth & Planning
$74,400Marginal
Net profit after financing
14.88%Net margin
16.8%Gross margin
46.5%Return on capital

After $416,000 of costs and $9,600 to fund the cash gap, a $500,000 contract nets $74,400.

What you get

The margin left after you pay to fund the work

A contract can look profitable and still drain cash, because you carry the costs long before the payments arrive. From the contract value, its term, your upfront and monthly operating costs, the payment schedule, the retainage held back, and what it costs to finance the gap, this analyzer shows the net margin you actually keep. Now you can price the job, or walk away, with the funding cost already counted.

  • Net margin on the contract after upfront, operating, and financing costs
  • Shows how retainage and the payment schedule stretch the cash you carry
  • Weighs the cost to fund the work against the margin the contract returns

The tool

Run your numbers

Portal preview. See the full tool below. Sign up free to use it and every tool in your portal.

Contract profitability

What does this contract actually net you?

Net your costs and financing out of the contract value to see the profit, margin, and ROI before you sign.

Contract value
$
Contract term
mo
Upfront costs
$
Monthly operating costs
$
Retainage held backA share of each payment your customer withholds until the job is finished — money you’ve earned but can’t collect yet, so you carry its cost until release.
%
Payment scheduleWhen you get paid. Monthly bills as the work is done. Net 30, 60, or 90 pays that many days after each bill. On completion pays once at the end. Milestone lets you set your own payment points below.
Financing rate · annual
%
Your industry · Sets the typical net-margin reference in the results.

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The Flow

One working-capital decision every other week. Which asset to borrow against, what a facility costs all-in, or how to make payroll before your customer pays, in a two-minute read.

Bi-weekly. 26 issues a year.