Take-home pay you wantWhat you want to actually pocket in a year, after expenses. Yearly business costsTruck, fuel, insurance, tools, phone, software — everything you spend to operate. Billable hours per weekHours you actually charge for — not 40. Driving, quotes & admin aren't billable. Weeks worked per year52 minus vacation, holidays, and slow stretches. Set aside for taxesSelf-employment + income tax you should hold back. Profit / cushionOn top of your pay — to reinvest and survive slow months.