Are your retainers actually making money?

Your retainer is priced right if your margin is at or above your target, usually 25 to 35% for most agencies. If you are below that, you are undercharging for what it costs to service that client. The calculator shows the exact retainer price to reach your target and the gap between where you are and where you need to be.

Usually because hours are undercounted or tool costs are not being attributed. Check your hours matrix first. One team member spending two extra hours a week on a client adds up to eight hours a month, times their hourly rate, times twelve months. Small miscounts become big losses.

Yes. Add each client and their monthly retainer. Add your team and monthly salaries. Enter how many hours each person spends on each client. The calculator shows a side-by-side margin breakdown for every client, so you can see your full retainer book in one view and spot which clients are dragging your overall margin down.

This calculator is a one-time snapshot. You enter numbers now and see results now. MinuteMargin tracks this in real time across every active project and retainer while work is happening. It alerts you before the margin drops too far to fix, not after the month ends and the money is already gone.