Margin reality. Not what the rate card claims.
You need to know what each contract actually returns after every on-cost, finance charge and payment-term reality has been priced in. RateCalc.io models it the way your P&L sees it, not the way the consultant pitches it.
Card needed to start. Nothing is taken for 7 days, and if you cancel before day 8 you pay nothing.
True margin, modelled the way your P&L sees it
Gross margin %, gross margin £, period-over-period delta. Margin distribution histogram showing which tier wins and which tier dies. Every number includes the on-costs the rate card hides.
True margin per contract, visible in real time
The headline margin on a rate card lies. NI is loaded, holiday pay accrues, AWR kicks in at week 12, invoice finance eats the float, payment terms stretch. Every margin shown in RateCalc.io has these baked in so the number on screen is the number you live with.
- Holiday pay, employers NI, pension, apprenticeship levy, AWR uplift, all modelled per quote
- Invoice finance rate and finance-free period modelled into the cash position
- Per-client payment days (30/60/90) feed straight into the cash-conversion view
Built around how your day actually works.
The deep, real features that move the needle for this role. Each one ships out of the box, no add-on, no integration to configure.
Margin shown three ways
Gross margin %, gross margin £, cash margin after finance. Pick the one your board cares about. The maths is the same underneath.
Margin distribution chart
Stacked histogram showing how proposals cluster across margin tiers, with accepted vs declined vs pending highlighted. Spot the tier that's dying at a glance.
Decline analysis with margin at decline
Compare avg margin on accepted vs declined to know whether price is the friction. If declined are pitched 2pp higher, you know there's a ceiling. If they're equal, it's not price.
Signed-agreement vault with audit trail
Every executed ToB stored with signer email, IP, timestamp. Compliance reviews become a two-minute job, not a half-day archaeology dig.
Everything exports to CSV
Per-consultant, per-client, decline analysis, full feed. Your monthly management report writes itself, slot the data into the existing template.
Cash conversion cycle
Days from worker paid to client paying you. Combine pay frequency, invoice terms and average debtor days to see where your cash is actually tied up, and how much every extra day costs.
Payment terms + invoice finance, modelled in
Average payment days tracked across the agency, broken down by 30 / 60 / 90 day bands. Finance-free period and invoice finance APR feed into the cash-position view so you see real cash, not gross billings.
Audit trail on every signed agreement
Every executed ToB carries the signer email, IP and timestamp. Compliance reviews go from half-day archaeology jobs to two-minute exports. The CSV button takes you all the way to spreadsheet.
- Margin floors per agency to set the absolute "below this, warn" line
- On-cost defaults per sector so each vertical uses the right NI / pension
- Custom cost items per contract (uniform, parking, training)
- Per-client commercial terms held on the ToB itself
See the real number, not the rate card.
Get a clean view of margin across every consultant, every client, every contract.
Every plan starts with a 7-day free trial. Card needed to start. Cancel before day 8 and you pay nothing.