Built for UK recruitment agencies

The “margin” your rate calc
shows you isn’t your real margin.

RateCalc.io layers in your on-costs, your invoice finance, and the debtor days your client is asking for, then shows you what you’ll actually keep. Not the gap between cost of employment and bill rate. The real number. Then helps your consultants build, send and sign branded Terms of Business without leaving the platform.

Get started →Book a 30-min demo
True margin on every quoteMulti-consultant pipeline + analyticsBranded Terms of Business, signed in-browser
Live calculator
Class 1 HGV · Days
Live margin 10%
Pay rate
£16.00/hr
Margin
10.0%
Holiday Pay 12.07%£1.93
Employer NI£2.69
Pension auto-enrol£0.48
Apprenticeship Levy£0.08
Bill rate£23.84
Today's outbound
4 proposals
Eddie Stobart
Class 1 nights
£24.20
11.2%
DHL Bristol
Class 2 days
£18.60
9.8%
Wincanton
Warehouse PM
£14.40
12.5%
XPO Logistics
7.5t · weekends
£22.10
7.4%
Margin floor warning on XPO Logistics
● The real number

Two numbers, side by side. One of them is honest.

Most rate calculators show you the gap between cost of employment and bill rate. That’s a number, but it isn’t yours to keep. Once invoice finance on your client’s payment terms is in, the real margin drops by 30 to 40 percent on most quotes. RateCalc.io shows you the difference on every saved proposal, before you send.

What most calcs show you
Surface margin
21.4%
Pay rate plus on-costs vs your bill rate. The number every basic calculator shows you.
What you actually keep
True margin, after 90-day terms
14.2%
Once your invoice finance on 90-day terms is in. That’s £4.20 an hour the surface number hides.
Not made up. Numbers come from your on-costs, your invoice finance rate, and the debtor days you enter. Nothing inferred, nothing estimated.
Only you see it. Clients open a clean branded view. The true-margin banner is consultant-side only, on the page you build the quote.
Live as you type. The maths runs in the proposal builder; you don’t need to save and reopen to see the impact of changing the terms or the rate.
● Three things RateCalc.io does for you

Save time. See every rate. Run the room.

Three pillars, one platform. Replaces the spreadsheets, the e-signature bills, and the guesswork about what your team is actually quoting this week.

● Save time

From rate inputs to client's inbox in five minutes.

On-cost stacks, brand colours and Terms of Business defaults are set once, applied to every new proposal. Your team spends minutes per quote, not 45.

Live calculator
Class 1 HGV · Days
Live margin 10%
Pay rate
£16.00/hr
Margin
10.0%
Holiday Pay 12.07%£1.93
Employer NI£2.69
Pension auto-enrol£0.48
Apprenticeship Levy£0.08
Bill rate£23.84
  • Holiday, NI, pension, levy auto-calculated
  • Brand and template applied automatically
  • One-click convert to signable Terms of Business
● Keep eye on rates out

Every quote, every margin, in one dashboard.

Live margin shown on every proposal as it's built. Spot the rates that have slipped below your floor before they leave the building.

Today's outbound
4 proposals
Eddie Stobart
Class 1 nights
£24.20
11.2%
DHL Bristol
Class 2 days
£18.60
9.8%
Wincanton
Warehouse PM
£14.40
12.5%
XPO Logistics
7.5t · weekends
£22.10
7.4%
Margin floor warning on XPO Logistics
  • Margin floor alerts before send
  • Filter by client, recruiter, role or sector
  • Searchable archive of every rate ever quoted
● Get a handle on new business

See exactly what your team is putting in front of clients.

Outbound activity broken down by recruiter, by week, by status. The numbers a managing director needs to coach the team, in one view.

This week
Mon · Sun
Proposals sent
23
Pending decision
11
Accepted
7
Avg bill rate
£21.40
By recruiter
Sarah K.
9
Tom B.
7
Priya M.
5
James L.
2
  • Proposals sent, viewed, decided, accepted
  • By-recruiter activity and win rates
  • Weekly trends and pipeline visibility
● One platform, end to end

From rate calc to signed Terms of Business. No more tab-juggling.

01
Build
Rate calc with UK PAYE on-costs and invoice finance baked in. Drag the margin slider, watch the bill rate move.
02
Brand
Logo, colours and tone of voice applied automatically. Every proposal looks like your agency built it.
03
Sign
Client opens a signable Terms of Business in their browser. Signature image, IP and timestamp captured.
04
Track
Pipeline view, win rates, by-recruiter activity. Know what's gone out, what's been accepted, and what's stuck.
● For multi-consultant agencies

See who’s quoting. Who’s converting. Who’s giving terms away.

Every quote a consultant sends gets attributed back to them. Acceptance rate, average margin, and the payment terms they’re letting clients push out, all in one view. The conversation you have at the Monday meeting stops being “how are we doing” and starts being “here’s exactly where each desk needs to push back.”

Leaderboard view. Sent, accepted, declined, margin avg, terms held. Sort by any column. Filter by week, month, quarter.
Per-consultant logins. Each consultant builds in their own account; the agency owner sees the consolidated pipeline across the whole team.
Per-seat seat allocation. Add and remove consultants without a sales call. Archive an old team member without losing their quote history.
Consultant leaderboard
Last 30 days
4 active
ConsultantSentAcc.MarginTerms
SSarah K.2467%18.2%30d
TTom B.2171%15.4%60d
PPriya M.1752%12.8%90d
JJames L.933%11.4%75d
Priya is sitting on the lowest margin and accepting 90-day terms. That’s the Monday-meeting conversation.
● Built for UK recruitment

Real PAYE on-costs. Real compliance.

Not US-style "fees" disguised as costs. Not generic SaaS pricing. Built around the actual numbers UK agencies have to charge and the contracts they have to send.

  • Holiday Pay at 12.07% (override per role)
  • Employer NI from April 2025
  • Apprenticeship Levy and pension auto-enrol
  • Drivers Negligence cover tiers
  • Invoice finance with free-period support
  • Branded, signable Terms of Business
Industries covered
Driving
Live
Industrial
In templates
Healthcare
In templates
Construction
In templates

The rate engine is sector-agnostic. Sector-specific templates and defaults are what we add as we open up each industry.

Take rate proposals off the to-do list.

Set up your agency in ten minutes. See your team's first proposal go out before lunch.

Get started →Request a demo