A quote can look busy and still lose money. Card fees, platform fees, and small costs hide inside a price that seemed fine at a glance. This free checker takes the quoted price, direct costs, and fee costs, then compares the real margin against your target. If the quote falls short, it flags it before you send it, while you can still fix the price.
What this tool does
This free quote margin checker - does this quote cover costs free runs entirely in your browser. Nothing you type is sent to a server, and nothing is stored online. You open the page, enter your numbers, and the result appears at once. You can try again as often as you like, which makes it easy to test different prices before you send a quote. Short checks like this beat guessing, because a small pricing error on one quote can repeat across many jobs before anyone notices it.
How to use it
Start by gathering your real numbers, not round guesses: your actual costs, fees, and rates. Enter them in the tool in order, then press the calculate button and read every result line, not just the total. If a line looks wrong, change one input at a time and re-run the tool, so you can see exactly which input moved the result. Save or copy the final numbers into your quote while they are fresh.
Reading your result
The result lines break the answer into parts, so you can explain each part to a customer in plain words. A total alone rarely convinces anyone, but a total built from visible parts does. If the result surprises you, trust the maths first and check your inputs second: most pricing surprises come from a mistyped number, a forgotten fee, or a percent entered as a whole number instead of a rate.
Worked example
Try a price of 2000, direct costs of 1200, and fees of 60. Profit is 2000 - 1200 - 60 = 740. Margin is 740 divided by 2000, which is 37 percent. Against a 30 percent target, this quote passes. If the price were 1600 instead, profit would be 340 and margin 21.3 percent, so the tool would flag it as below target.
Why this matters for a small business
Margin is the number that keeps a business alive. Revenue feels good, but only margin pays rent, tax, and your own wage. Many small firms fail not from lack of work, but from work priced below cost once fees are counted. Checking every quote against a target margin turns pricing from a guess into a habit, and the habit compounds into a healthier business year after year.
Pricing tips
Include every fee in costs, even small ones, because small fees on many jobs add up fast. Set one target margin for the whole business and use it on every quote, instead of a different guess each time. If a quote fails the check, raise the price or cut a cost line, and re-check before sending; never send a failing quote hoping volume will save it.
Common questions
Is this tool really free? Yes. It runs in your browser, needs no account, and has no sign-up step. You can use it as often as you like, for as many quotes as you like.
Is the result professional advice? No. It is an estimate to help you price a quote. Tax rules, local rates, and contract terms differ, so check anything that affects a signed agreement with a qualified adviser before you commit.
Who is it made for? Small business owners, tradespeople, freelancers, and contractors who price their own work and want clear numbers before they talk to a customer.
Spanish version: Verificador de Margen en Presupuestos para Autónomos - ¿Cubre Costos tu Oferta?