Tradie Financial Goal Tracker: Hit Your Income and Lifestyle Targets

The reality

Why most tradies do not track their goals

Most tradies do not track their goals because they are not sure what their numbers actually are. They guess their pricing based on what the bloke down the road charges, do not know their real hourly rate after overheads, and have no clear target for what they want to earn in a year.

Without a target, every job is just a job — and a slow week feels the same as a busy one because there is nothing to measure against. The result is tradies working hard without a clear picture of whether they are getting ahead, treading water, or quietly going backwards once overheads and unbillable hours are counted.

A goal tracker fixes this by making the numbers explicit: what you want to earn, what your real hourly rate is, and what it will take — in billable hours, job value, or weeks worked — to get there.

How it works

How FMN's Tradie Goals works

• Goal categories — set income, savings, lifestyle, or business growth goals, each with their own inputs and tracking.
• Target amount and date — every goal has a target amount and a target date, so progress is measurable against a deadline.
• Calculated hourly rate — FMN calculates the hourly rate you need to hit your goal based on your billable hours per week and working weeks per year.
• Savings rate tracking — choose what portion of additional revenue goes to savings, and FMN tracks progress against that rate.
• Average job value tracking — see whether hitting your goal is a matter of more jobs, higher-value jobs, or a higher rate.
• Milestone celebrations — FMN celebrates milestones in the app as you progress, so you stay motivated and can see the finish line.

Hourly rate

Setting your hourly rate properly

The single biggest pricing mistake tradies make is not knowing their real hourly rate. Most pick a rate that feels right, without accounting for overheads, unbillable hours (quoting, admin, travel), and the weeks per year they actually work. The result is a rate that looks profitable on paper and loses money in reality.

FMN flips that around. You set your income goal, enter your billable hours per week and your working weeks per year, and FMN calculates the hourly rate you need to hit the goal. From there you can see whether the rate is realistic for your market, whether you need more billable hours, or whether your goal needs adjusting — and you price your quotes against a rate that actually reflects your business.

Lifestyle

Lifestyle goals, not just income

Not every goal is a dollar figure. FMN's lifestyle goals let you target things that actually matter to your life outside work — a holiday, a house deposit, finishing early on Fridays, or taking extra weeks off over Christmas.

Each lifestyle goal is backed by the same math as an income goal: FMN works out the income, hours, or weeks you need to reach it, so a lifestyle target becomes a concrete plan rather than a wish. You can see what it will take to take the holiday, and track progress toward it month by month.

Pricing

Pricing

Tradie Goals is included in every FMN plan — Starter, Foundation Member, Pro, and the Company plans. There is no separate goal-tracker add-on. If you are on FMN, you have the full goal tracker.

FAQ

Frequently asked questions