For small contractors and trades — renovation, fit-out, tiling, electrical, plumbing, landscaping — who price jobs themselves and have finished a job with less money than the estimate promised, or had to pay crews and suppliers before the client paid. One model per job links the estimate, the price, the payment stages, the change orders and the actual costs.

Why this and not a spreadsheet estimate: the estimate, the payment stages, the change orders and the actual costs of a job sit in one model. A daily cash calendar counts payouts before receipts and shows the first day cash falls below your reserve and the financing needed by that date; materials are rounded up to whole supplier packs with waste; and only approved change orders change the contract price and the cash. One payment, no subscription; no bank, accounting or marketplace connection; your data stays on your device; no AI — every result is an exact decimal calculation with “How it is calculated”, in 8 languages and any currency.

You enter the job and the margin you need, materials with waste and supplier pack sizes, labour hours with their full hourly cost, subcontractors, transport, equipment rental, job overheads (a fixed amount or a percentage of direct costs) and a reserve. Then the money: your own cash, the minimum reserve you keep, the advance, stage payments, client retention, supplier credit days and a payment-delay scenario. During the job you add change orders, actual purchases and hours, payments received and the costs you still expect.

You get the proposal price, the planned margin, a daily cash calendar that shows the first day cash falls below your reserve and how much financing you need by that date, confirmed change orders, the forecast final profit, the costs you can still afford and material and labour variances — plus a client estimate, an internal costing, a change-order sheet and a job report as PDF. No AI — exact, traceable calculations. One-time payment, no subscription. It works on a phone and a computer, and your jobs stay on your device. It does not assess structural safety or building-code compliance.