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Archived noindex page. Kefiw's public focus is Property decision help.

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This older Kefiw page is kept for reference, marked noindex, and removed from the primary sitemap. The current Kefiw experience is focused on property decisions: cost, quotes, damage, buying, selling, owning, and packets.

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▸ SOP · Finance & Business

What Gig Net Floor Calculates

The real hourly rate a gig app pays you after vehicle depreciation — not just gas.

Gig Net Floor answers one question: is the app actually paying me above minimum wage after my car wears out?

App screens show gross pay. Your car shows the bill. Gig Net Floor subtracts IRS $0.67/mi from every shift and exposes the real hourly. Current runway: no runway set. Every shift below the floor burns car equity for app cash.

▸ Deterministic Formula
operating_cost = miles × 0.67
real_hourly = (gross − operating_cost) ÷ hours
if real_hourly < local_min_wage → CRITICAL
if real_hourly < local_min_wage × 1.25 → GUARDED
else → STABLE
▸ Logical Gates
  1. Log odometer start/end and app online-time. Gross includes tips.
  2. Compute operating_cost at $0.67/mi. No shortcuts to gas-only.
  3. Divide by total online hours, not order-active hours.
  4. Compare real_hourly to local minimum wage, not federal.
  5. If real_hourly < floor for 3+ shifts, stop driving. Runway: no runway set.

Quick answer

Gig Net Floor answers one question: is the app actually paying me above minimum wage after my car wears out?

What you are trying to do
The real hourly rate a gig app pays you after vehicle depreciation — not just gas.
Best next step
Gig Net Floor
Limit to remember
Treat this as a practical aid for the task, not a replacement for professional judgment.

▸ Key Specs

  • Formula: real_hourly = (gross − miles × 0.67) ÷ hours. Current runway no runway set — shifts below floor accelerate the drain.
  • IRS $0.67/mi captures gas, maintenance, tires, insurance, depreciation. Not just pump price.
  • Depreciation is the silent killer. Resale value lands 40% lower than a non-gig car of the same age.
  • Tips count. Include them in Gross Pay.
  • Real hourly below federal ($7.25) or local minimum wage means car equity is being converted into app cash at a discount.

▸ Worked Examples

  • $140 gross / 95mi / 6hr shift
    Operating cost 95 × $0.67 = $63.65. Net $76.35. Real hourly $12.73. Above federal min, below a $15 local min. Runway context: no runway set.
  • $90 gross / 70mi / 4hr shift
    Operating cost $46.90. Net $43.10. Real hourly $10.78. Unpaid dead miles still land on the odometer.
  • $200 gross / 180mi / 7hr shift
    Operating cost $120.60. Net $79.40. Real hourly $11.34. Big gross screenshots hide the worst net.

When to use which tool

▸ Operational Thresholds
  • CYAN · STABLEReal hourly above local minimum wage — gig actually pays after vehicle wear.
  • GOLD · GUARDEDAt or near minimum wage — break-even labor, accelerating car depreciation.
  • MAGENTA · CRITICALBelow minimum wage — you are trading car equity for app cash, losing money.
▸ READ NEXT
Minimum Viable Rate
Compare your hourly floor to the rate your market will actually pay.

Related

Frequently asked questions

Why use $0.67 and not my own cost? Troubleshooting

You can compute your own per-mile cost, but $0.67 is the IRS figure used for tax deduction — it is the closest thing to a neutral, defensible "true" cost, especially for older vehicles where depreciation is already high.

What about the tax deduction?

You can deduct miles at $0.67/mi against gig income at tax time, which partly compensates. But you still wear the car out — the deduction does not grow you a new vehicle.

Is this the same as just subtracting gas? Trust & accuracy

No. Gas alone is usually $0.10-0.15/mi depending on MPG. The rest of $0.67 is tires, oil, brakes, suspension, insurance, and the car itself.

How should I use a decision framework in real life? How-to

Use a decision framework to expose the tradeoff, not to outsource the decision. Write down the inputs, compare the output with your constraints, then ask what would change the answer. The strongest use is scenario testing: base case, conservative case, and failure case.

Is this financial, legal, or tax advice? Trust & accuracy

No, this is not legal, financial, tax, medical, or professional advice unless the page explicitly says that use case is supported. It organizes assumptions so you can inspect them. Verify high-stakes choices with qualified people who can review facts, contracts, regulations, and downside risk.