INDEX/FINANCIAL_ENGINE/SIMULATOR

Trade Unit Economics & Breakeven Playground

Interactive financial model for acquisition entrepreneurs and trade founders. Calculate fully burdened labor (1.28x), true monthly breakeven ticket volume, and recovered upside from 24/7 AI voice dispatch.

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FINANCIAL_PLAYGROUND // UNIT ECONOMICS & BREAKEVEN SIMULATORV1.1

Field Labor Margins, Breakeven & AI Cash Flow Engine

Adjust field capacity, burdened payroll (1.28x), ticket size, and fixed overhead to simulate real gross profit, breakeven thresholds, and captured after-hours revenue.

Model:

Trade Archetypes:

PARAMETER CONTROLS // LABOR

Field Technicians / Service Vans:2 Techs

1 Solo Van5 Small Fleet15 Commercial Fleet

Average Hourly Billing Rate:$125/hr

$75/hr (Competitive)$150/hr (Regional Average)$275/hr (Specialized / Master)

Billable Efficiency:70%

112 billable hrs/mo per tech

Labor Burden Multiplier:1.28x

Taxes, comp, healthcare, uniforms

ESTIMATED UNIT REVENUE DISTRIBUTION (PER $100 EARNED)NET EBITDA: 24%

Materials (25%) Burdened Labor (~42%) Overhead (~9%) Net EBITDA (24%)

PROJECTED ECONOMIC IMPACT

TARGET SCENARIO

PROJECTED NET MONTHLY CASH FLOW (EBITDA)

+$12,593/month

Generates $627,000 in gross annualized revenue with an estimated $151,116 (24%) in net operating profit.

Annual Run Rate:+$151,116 EBITDA/yr

OPERATIONAL AUDIT // 2 TECH(S)125/HR

Billable Capacity:224 hrs/mo

Loaded Tech Cost (1.28x):$67.84/hr

Monthly Payroll & Burden:-$21,709

Monthly Breakeven Target:22 Jobs ($12,100)

Capacity Safety Factor:364% Capacity

AI Phone vs Human Answering:$85/mo vs $915/mo

Turnkey Payback Timeline:~5 Days

THE 1.28X LABOR BURDEN

Why Base Wages Lie

Paying a tech $35/hr actually costs $44.80/hr when adding FICA (7.65%), worker’s compensation (8–14%), general liability, health insurance, paid time off, uniforms, and tool allowances. This engine bakes in true burden by default.

CONTRIBUTION MARGIN BREAKEVEN

Covering Fixed Shop Overhead

Breakeven is not total revenue divided by tickets. It is fixed monthly overhead divided by your Contribution Margin per Job (ticket revenue minus direct materials and allocated labor). This determines your exact survival run-rate.

AFTER-HOURS VALUE RECOVERY

The Cost of Unanswered Calls

In home services, 85% of callers who hit voicemail hang up and call the next Google LSA competitor. An always-on $85/mo AI voice receptionist captures 12–25+ jobs/month that would otherwise vanish, yielding 900%+ ROI.

REFERENCE BENCHMARKS // READY TO EXPLORE