Tools that do the heavy lifting.

“Stress‑Profit %: A contingency margin added to protect your earnings from unforeseen issues. Some jobs carry very little risk — like rendering a small garden wall — while others have far more that can go wrong, such as rendering a full house in bad weather. This percentage helps cover the extra stress, delays, and unexpected problems that come with higher‑risk work.”

“Tool Wear %: A percentage that covers the gradual damage your tools take on each job. Light work, like a small patch repair, barely touches your gear. Heavy work — grinding, mixing, cutting, or long days on rough surfaces — wears tools out much faster. This helps you budget for replacements before they break.”

“Team Cost %: A percentage added to cover the hidden costs of having people work for you. Some days your team turns up and the job isn’t ready, or the weather stops work, but you still owe wages. This margin helps you recover those costs so you’re not losing money on delays.”