Billable time
Billable vs Non-Billable Hours for Contractors
Learn what counts as billable time, how to measure billable utilization, and why realistic billable capacity matters.
CMT field notes
Contractor Business Guides
Clear explanations that support better use of Contractor Money Tools calculators.
Published guides
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Labor pricing
How to Use Labor Burden in Construction Estimates and Job Pricing
Learn how to apply an already-calculated productive-hour labor cost in estimates, bids, change orders, and job-cost reviews.
Hiring costs
Cost to Hire an Employee for Small Contractors
Plan for recruiting, onboarding, setup, training, and ramp-up costs when bringing a new employee into the business.
Overhead
How to Allocate Overhead to Construction Jobs
Choose between labor hours, labor dollars, direct costs, and revenue, then apply the selected recovery rate to jobs.
Job costing
Estimated vs Actual Job Costs: How Contractors Find Profit Leaks
Diagnose job-cost variances, identify labor, material, revenue, and overhead causes, and correct the relevant inputs in future estimates.