CALIBRAYTAI • PLAN

Employment

CalibraytAI Employment vs. Entrepreneurship compares the financial value of a paid position with the economics of owning and operating a business. It shows what the entrepreneurship needs to produce to replace your employment, where the break-even point sits, and what assumptions need to be true to move beyond it.

Enter the employment package you want to compare with entrepreneurship. Calibrayt compares annual economic value, working time and effective earnings on the same basis.

Select your trade

Trade profiles load typical planning assumptions. Every value can be changed.

Employment package

Hourly wage KNOWNPaid hours / week KNOWNPaid weeks / year KNOWNEmployer truck / year OWNER INPUTEmployer-paid fuel / year OWNER INPUTInsurance, maintenance & other OWNER INPUT

Tell us about the business.

Use the assumptions that best reflect how you expect to operate. There are no right answers.

How will you operate?

Your working year

Working weeks / year OWNER ESTIMATEAvailable trade hours / week OWNER ESTIMATEBusiness-owner hours / week OWNER ESTIMATE

Context: 10–15 hrs/week
Published trades-business benchmark for administrative tasks alone. Your entry is used.

Working season

Enter the actual working weeks you expect above. If seasonal work requires protection, enclosure or heating, enter that amount under Winter Protection / Heat in annual operating costs.

Masonry context
Exterior masonry can require protection, enclosure and heating in cold weather. The assessment uses your working-week and operating-cost assumptions.

What can the business realistically sell?

Calibrayt compares key assumptions with market context but always uses your numbers.

Customer pricing

Effective selling rate / hour OWNER ESTIMATEFor project-priced work, use average labour revenue realized.

Researched range — Masonry / Eastern Ontario
$85–$100/hour planning context.

Available work

Expected utilization % OWNER ESTIMATEEstimating / sales hrs / week OWNER ESTIMATE

Crew & productivity

Regular helperHelper wage / hour OWNER ESTIMATE

Ottawa-region context
Published median masonry labourer wage: $25/hour.

Helper hours / weekPayroll burden %Production gain % OWNER ESTIMATENo universal productivity benchmark imposed.

Revenue-producing hrs / week—

Annual productive hours—

Revenue capacity—

Total owner hrs / week—

What will it cost to operate?

Typical planning costs are already filled in for your selected trade. Change only what you know more accurately.

Annual operating costs

Defaults are planning estimates so you can reach a result quickly.

Truck / financingCalibrayt estimate

FuelCalibrayt estimate

Commercial autoCalibrayt estimate

Maintenance / tiresCalibrayt estimate

Tools / equipmentTrade planning allowance

Liability / WSIB allowancePlanning allowance

Accounting / bookkeepingCalibrayt estimate

Phone / software / bankingCalibrayt estimate

Sales / advertisingCalibrayt estimate

Callbacks / misc.Planning allowance

Winter protection / heatChange if applicable

Annual operating costs—

Helper payroll—

Total modeled cost—

Revenue before costs—

Your financial result.

This is a comparison of the assumptions you entered—not a recommendation about whether to start a business.

Employment economic value——

Entrepreneurship income——

Financial difference——

Employment

Cash wages—

Employer-paid vehicle/value—

Total hours / year—

Entrepreneurship

Annual revenue—

Operating + payroll costs—

Total owner hours / year—

What has to be true

Break-even selling rate—

Revenue-producing hrs / week—

Working season—

Utilization—

Assessment Summary

Financial Result

What Has to Be True

Personal Decision

This assessment compares financial and workload implications. Whether the additional income, time commitment and business risk are worthwhile is a personal decision.

Assessment assumptions, methodology & references

Method: Owner-entered values are used in the calculation. Market benchmarks provide context and do not override owner assumptions. Typical cost defaults are planning estimates and can be replaced with actual figures.

Reference table: Ontario WSIB 2026 premium rates — calculation/planning context; Canada Revenue Agency 2026 CPP/EI — payroll context; Government of Canada Job Bank Ottawa-region trade wages — labour context; published Ottawa/Eastern Ontario contractor pricing guides — selling-rate context; published trades-business administration research — owner-time context. Verify actual insurance, vehicle, tax, licensing and payroll obligations before making a financial commitment.