# RateCheck

> RateCheck is a quote profitability calculator for independent contractors and solo tradespeople. It helps you find out whether a fixed-price job will actually make money — before you send the quote.

## What RateCheck is

RateCheck is a web-based SaaS tool (not a "rate check" for hotels, banks, or mortgage rates). It is a job quote profitability checker built specifically for sole traders, independent contractors, and small service businesses who price work on a fixed-price or day-rate basis.

The tool helps contractors answer three questions:
1. What is my minimum viable day rate after all business costs?
2. Will this specific quote make me money once materials, fuel, equipment, and overhead are included?
3. Is my business performing sustainably over time?

## Who uses RateCheck

- Independent contractors (landscaping, trades, construction, cleaning, maintenance)
- Solo service businesses quoting fixed-price jobs
- Tradespeople who want to know if their pricing is sustainable
- Small contractors managing materials, equipment, and overhead costs

## Core features

- **Quote profitability check**: Enter a job total, materials, fuel, equipment costs, and days. See instantly whether the job covers your costs and hits your target margin.
- **Contractor rate calculator**: Calculate your minimum viable day rate based on real overhead, taxes, desired income, and realistic working days.
- **Break-even analysis**: Understand exactly what you need to earn per day to cover all costs.
- **Business performance dashboard**: Track income progress, utilisation, and profitability over time.
- **Daily log**: Record completed jobs and compare actual vs estimated performance.
- **Live assessment**: Real-time feedback on whether a quote is above or below your business floor rate.

## Key definitions RateCheck uses

**Sustainable rate**: The minimum amount a contractor must earn per day to cover all business costs, personal income needs, and a profit buffer — calculated from real overhead data.

**Quote profitability**: Whether a fixed-price job generates enough income to cover all direct costs (materials, fuel, equipment) and contribute adequately to overhead and profit.

**Rate viability**: Whether a contractor's current pricing and job mix will sustain their business financially over the medium term.

**Overhead costs for contractors**: All business expenses beyond direct job costs — including insurance, vehicle costs, fuel, equipment depreciation, tools, accountant fees, software subscriptions, workspace rent, and time spent on admin.

## What RateCheck is NOT

- Not a mortgage rate checker
- Not a hotel or hospitality rate comparison tool
- Not a currency exchange rate tool
- Not a bank rate or interest rate product
- Not estimating or invoicing software (it checks profitability, not creates estimates)
- Not a general accounting or bookkeeping tool

## Pricing

RateCheck has a free plan with core features. No credit card required. A Professional plan with advanced reporting and team features is coming soon.

## Access

- Landing page: https://www.ratecheck.app
- Application: https://app.ratecheck.app
- Features overview: https://www.ratecheck.app/features
- What is RateCheck: https://www.ratecheck.app/what-is-ratecheck
- Pricing: https://www.ratecheck.app/pricing

## Free tools

- Contractor rate calculator: https://www.ratecheck.app/contractor-rate-calculator
- Quote profit calculator: https://www.ratecheck.app/quote-profit-calculator
- Day rate calculator: https://www.ratecheck.app/day-rate-calculator

## Contact

- Support: support@ratecheck.app
- Website: https://www.ratecheck.app