CH 03OVERHEAD CALCULATOR
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CFOS TOOLKIT · CHAPTER 3 · STEP 03

Overhead calculator

Enter your indirect costs at whatever frequency you pay them, and get the overhead rate your bids have to carry.

WHAT IS IN IT

The template covers

ITEM 01
Eight expense groups, from office and software through insurance and non-direct payroll
ITEM 02
A column for every billing frequency, annualized for you
ITEM 03
Your overhead against target revenue and against what you really booked
ITEM 04
A benchmark line showing where healthy sits against what most subs run
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THE CHAPTER BEHIND IT

Step 03: Overhead calculation

What indirect cost really comes to at your size, and the rate your estimating template should be carrying.

CHAPTER 3
Overhead calculation
What the chapter covers and what has to be true before it works.
STEP 03
The overhead rate your bid sheet should carry
The working reference: dependencies, what it feeds, and how to tell it's installed.
TOOLKIT
All 6 templates
Every template, and why two chapters carry none.
THE OTHER FIVE

More templates

CHAPTER 1
Job cost code template
Two separate cost code structures, one built for a subcontractor and one built for a general contractor, because the two trades sort cost differently.
CHAPTER 2
Equipment cost basis worksheet
Ownership, maintenance and insurance in one sheet, so equipment gets charged to the job that used it.
CHAPTER 4
Estimating alignment meeting agenda
The agenda that gets estimating and accounting using the same cost codes.
CHAPTER 6
PM standards pack
The written standards your project managers follow so billing dates hold without you chasing them.
CHAPTER 7
Cash flow, WIP and the CEO report
Four separate downloads: the 13 week forecast, the WIP schedule a bank will accept, the CEO report skill, and the guide that installs it.

8 Steps 60 Days

CONTROL is the full system, written for commercial subcontractors from under $1M to $100M. It publishes on October 1, 2026. 8 steps, 6 working templates, and the order they install in. $9.99 ebook, $24.99 paperback.

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