Free tool — no email required

Agency Utilisation Calculator — Free Billable Hours Check

Utilisation — the share of your team's paid hours that are actually billable — is the single number that most directly separates a busy agency from a profitable one. Industry-wide, it hit a record low of 66.4% in 2025, down from 68.9% the year before, the fourth consecutive year of decline. Enter your real headcount and billable hours and see exactly where you stand.

The tool is free and needs no email. The full Agency Financial Operating System breaks utilisation down by person and project — $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.