Glossary

Owner take-home

Quick definition: What actually lands in your personal bank account after business expenses, overhead, and self-employment taxes.

Owner take-home is the only number that matters for your personal finances. It answers the question: after everything, what did I really earn?

The formula: Net business profit − self-employment taxes (typically 15.3% in the US) − any personal taxes you owe = take-home.

Example: A $400,000 revenue year with $80,000 net profit, after ~$12,000 SE tax + ~$10,000 income tax = $58,000 take-home. Not bad — but a far cry from $400K.

JobPricer dashboard shows a projected take-home number based on your real overhead and a SE-tax rate you set (default 25% covers most US solo contractors). It updates monthly as you log revenue.

Related terms

Net margin (for contractors) →Overhead per billable hour →
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