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Is Your Agency Actually Profitable? Free Margin Calculator

Revenue climbing while margin stays flat, or quietly shrinks, is the most common complaint agency owners report right now — and a 2026 study of 186 agencies found 21.5% are now losing money outright, up from 13% the year before. Enter six real numbers from this month's books and see your real Agency Gross Income (AGI) and delivery margin against honest industry benchmarks, instantly.

The tool is free and needs no email. If you want to see exactly which client or project is causing the gap, the Agency Financial Operating System is $299 — see what it covers.

Team headcount (FTE, including yourself if billable) Total monthly gross billings ($) Monthly pass-through costs ($)

Media spend, licensed software, white-label/contractor work billed straight through to clients.

Total billable hours logged this month (whole team) Monthly payroll + fixed overhead ($)

Everything except owner draw — salaries, rent, software, insurance.

Target monthly owner compensation ($)

Fill in the six fields and click "See my real numbers" — your results appear here, computed entirely in your browser. Nothing is sent to Instilus except an anonymous "diagnostic completed" event with no dollar figures attached.

Available hours assumes 160 hours/month per FTE, a standard full-time baseline — your real available hours may be lower once PTO/holidays are accounted for. Delivery margin here approximates direct delivery cost using total payroll + overhead as a proxy; the full Agency Financial Operating System separates direct delivery cost from full overhead per person for a more precise number.