Owner finance

Your real profit, after paying yourself

Find out whether your profit is real, or just you quietly working for free.

Your inputs

Annual revenue

€

Cost of goods sold

Materials, subcontractors, direct job costs

€

Overhead

Rent, admin, insurance, excluding your own pay

€

Hours you personally worked

Fair market wage for your role

What you'd pay someone to do your job

€/h

Real profit

Real profit€30,000After paying yourself a market wage

Book profitRevenue − COGS − overhead

€90,000

Your own labourThe wage you're not counting

€60,000

A simplified economic-profit (SDE) view from your own inputs; it does not replace your accounts. Overhead should exclude your personal draw to avoid double-counting.