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//// Business · Client Management

Client Profitability Tracker

Not all revenue is equal. A client who pays fast, revises rarely, and sends referrals is worth 3× a slow payer who bleeds your time. Score every client and know exactly who to keep, negotiate with, or sunset.

Where this fits

This tool lives inside Going 1099 and is most useful for freelancers and founders.

Corp Tax Rate21%
SE Threshold$400
FICA Cap 2024$168,600

Client Details

The rate you benchmark all clients against

$

Revenue & Hours

Invoiced to this client this year

$

Project hours logged for this client

hrs

Working weeks (default 48)

wks

Client Behavior

How quickly they pay invoices on average

days

Per project/deliverable on average

rounds

Calls, Slack, emails — hrs per week

hrs/wk

New clients this client has referred to you

refs

Enjoyment

Honest score — this factors into the composite grade

😊3/5 — Neutral
12345
Effective Rate
$120.00/hr
Billed ÷ project hrs
True Rate
$96.77/hr
Including comm overhead
Client Grade
A
Keep & grow
Composite Score
75/100
Rate · Payment · Revisions · Enjoy
A
Keep & grow75/100 composite

This is a high-value client. Protect the relationship, raise rates at renewal.

Revenue vs. Target Rate

At your $150/hr target rate, Acme Corp would be worth $30K this year — you're leaving $6K on the table.

Actual billed YTD
$24K
At $150/hr target
$30K

Score Breakdown

Effective Rate
28.0 / 35
Payment Speed
20.0 / 25
Low Revisions
15.0 / 20
Enjoyment
12.0 / 20
Total
75 / 100
1

Effective Hourly Rate

Effective Rate = Total Billed YTD ÷ Total Hours YTD

$24K ÷ 200 hrs

= $120.00/hr

Your raw billing rate — what this client pays per hour of recorded project time.

2

True Rate (with Communication Overhead)

Comm Overhead YTD = Comm Hrs/Wk × Weeks True Rate = Total Billed ÷ (Project Hrs + Comm Hrs)

1 hrs/wk × 48 wks = 48 hrs overhead $24K ÷ 248.0 total hrs

= $96.77/hr true rate

Communication overhead silently erodes your effective rate. This is what you actually earn per hour spent.

3

Composite Score Breakdown

Score = Rate (0–35) + Payment Speed (0–25) + Low Revisions (0–20) + Enjoyment (0–20)

28.0 + 20 + 15 + 12

= 75.0 / 100 → Grade A

Grades: A ≥ 75 · B ≥ 55 · C ≥ 35 · D < 35. Rate and payment speed carry the most weight.

4

Annual Value at Your Target Rate

Value at Target = Total Hours YTD × Target Hourly Rate

200 hrs × $150/hr

= $30K

This is what the same hours would be worth if the client paid your target rate.

5

Revenue Gap

Revenue Gap = Value at Target Rate − Actual Billed YTD

$30K − $24K

= $6K below target

You're leaving money on the table. Consider a rate increase at next renewal.

Key insight

Acme Corp scores 75/100 — Grade A (Keep & grow). This is a high-value client. Protect the relationship, raise rates at renewal.

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