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1
Annual Expenses
2
Salary Goal
3
Packages
4
Results
Step 1 of 4
Annual Business Expenses
Every cost your photography business incurs in a year. Include everything — no rounding down.
Equipment & Tech
Camera body & lens depreciation
Total gear cost ÷ expected years of use
$
Lighting, modifiers & accessories
Strobes, reflectors, tripods, bags
$
Editing software subscriptions
Adobe CC, Capture One, Luminar, etc.
$
Gallery & client delivery tools
Pic-Time, Pixieset, ShootProof, etc.
$
Business Overheads
Website hosting & domain
Squarespace, WordPress, domain renewal
$
Professional liability insurance
Equipment + public liability coverage
$
Accounting & legal fees
Bookkeeper, accountant, contract templates
$
Marketing & advertising
Ads, styled shoots, vendor directories
$
Education & professional development
Workshops, online courses, conferences
$
Transport & fuel
Travel to shoots, client meetings, scouting
$
Health insurance (self-funded)
If not covered by another plan
$
Other expenses
Anything not captured above
$
Total Annual Business Expenses (A)
This is what your business costs before you pay yourself
$0
Did you know?

Most photographers underestimate annual expenses by 40–60%. Go back through your bank statements for the past 12 months for the most accurate figure.

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Annual Expenses
2
Salary Goal
3
Packages
4
Results
Step 2 of 4
Your Salary Goal
What do you want to actually take home? Be honest — and ambitious. This is your life, not a hobby.
Monthly Personal Budget
Monthly living expenses
Rent/mortgage, food, utilities, transport, subscriptions
$
Monthly savings goal
Emergency fund, retirement, big purchases
$
Monthly lifestyle & fun budget
Travel, hobbies, dining out, personal spending
$
Monthly Take-Home Goal
Expenses + Savings + Lifestyle
$0
Annual Salary Goal (B) — × 12
What your business must pay you over the year
$0
Tax & Revenue Totals
Self-employment tax rate
Typically 25–30% depending on your country
%
Tax provision needed annually
Set this aside every month — do not spend it
$0
Total Annual Revenue Needed (A + B + Tax)
This is what your business must earn before expenses
$0
Pro Tip

Open a separate "tax pot" savings account and transfer your tax percentage from every payment you receive. Future you will be extremely grateful.

✓
Annual Expenses
✓
Salary Goal
3
Packages
4
Results
Step 3 of 4
Design Your Three Packages
Always offer three. Most clients will choose the middle — so design that one first, then build around it.
Your Minimum Viable Rate Per Session
Any package below this loses you money
$—
Sessions Per Year
Realistic annual booking volume
Be conservative — buffer for slow months and cancellations
Essential Package
—
Price
$
Duration
No. of images
Design This First
Signature Package
—
Price
$
Duration
No. of images
Premium Package
—
Price
$
Duration
No. of images
The Anchor Strategy

Consider adding a 4th "White Glove" tier at 2–3× your Premium price with truly exceptional inclusions (same-day gallery, wall art installation, VIP prep call). Even if no one buys it, it makes your Premium package look like great value.

✓
Annual Expenses
✓
Salary Goal
✓
Packages
4
Results
Your Minimum Viable Rate Per Session
$—
Every package below this number costs you money to deliver
Total Annual Expenses (A)
$—
Annual Salary Goal (B)
$—
Tax Provision
$—
Total Revenue Needed
$—
Your Package Structure
Three-Tier Pricing Overview
Profit margins shown against your minimum viable rate
Essential
—
★ Signature
—
Premium
—
Revenue Scenarios
—
Annual revenue if all sessions book Essential
—
Annual revenue if all sessions book Signature
—
Annual revenue at realistic mix (20/60/20 split)
Revenue vs Target
$0 Target: —
Your Next Step

Update your website and inquiry form with your new pricing today. Every day of delay is revenue left on the table. You've done the maths — now trust them.