Kefiw

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

Archived page

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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Rate Triad

Conservative · Realistic · Aggressive

Three Minimum Viable Rate instances pre-seeded at different utilization assumptions. Same target need (salary + benefits + overhead). Same 40-hour billable week. Only the utilization percentage and billable weeks change — and the resulting hourly rate moves meaningfully.

The thing most independents under-estimate: billable utilization. A 60% utilization on 40 weekly hours is 24 actual billable hours. Drop to 45% and you're at 18. That's the lever that swings the rate, not the salary target.

How the triad works

Each pillar is a namespaced Minimum Viable Rate instance. Scenarios live in separate localStorage keys (minimum-viable-rate-v1__conservative, __realistic, __aggressive). On first visit the triad pre-seeds each with its starting utilization and billable weeks; after that your edits persist per pillar.

Use the spread between Conservative and Aggressive to find a rate you can defend even in a slow quarter — you don't want a number that only works at 75% utilization.

The result can mislead if unpaid sales time, revision time, admin, sick days, taxes, software, and collection delays are missing. Use the conservative column as the survival floor, then decide whether the realistic and aggressive columns are targets you can actually operate around.