Financial-Adjacent

None of these calculators contains a market rate, and that is deliberate. There is no honest national average cost per square metre: the figure varies by a factor of four across regions, moves every quarter, and a site that publishes one is inviting people to budget against a number that was never true for their project. Every rate here is yours to supply.

What these pages contribute instead is structure — the order in which contingency, professional fees and tax compound, the elements that are routinely left out of a builder's quote, and the difference between a material cost and a client price. Someone holding one quote and this structure can work out what the quote does not cover, which is usually the question they actually have. This is arithmetic on figures you enter, not regulated financial advice.

The same rule holds for time. The programme calculators turn a quantity and your crew's output into a duration, link activities into a critical path, count working days into calendar days and apply a learning curve to repeated work — and none of them carries a productivity rate, because a crew's output varies too much with the work, the site and the weather for a published average to be honest.