Signing Profitability & Break-Even Analyzer
Free tool by SigningLedger
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Is this signing worth it?

Enter the offer and your costs in steps 1–8. Your results update instantly below — and in the bar at the bottom of the screen.

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1

Assignment Information

$
pgs
sets
0
%
2

Printing Cost Analysis

Total $0.00

Loan documents print single-sided, so cost per sheet = cost per printed page.

$
$
$
$
$
$0.000
Show the cost breakdown
3

Travel Cost Analysis

Driving cost $0.00
mi
$/mi
$/gal
mpg

The IRS rate covers the full cost of driving your car: gas, oil, tires, repairs, car insurance, registration and the value your car loses. Your notary E&O insurance and bond are not part of it; they are a separate business expense. Pre-filled with the 2026 business rate, 76¢/mile from July 1, 2026 (72.5¢ Jan 1 – Jun 30). Formula:

4

Where Your Driving Cost Goes

Each mile at the IRS rate76¢

Gas for this trip: cash out of your pocket this week$0.00
Car fund for this trip: car insurance, repairs, tires and value loss you pay later$0.00
5

Time Analysis

min
min
min
min
min
Total minutes
0
Total hours
0.00
Profit / hour
$0.00
6

Additional Expenses

Total $0.00

Gas and car insurance are already in your driving cost, so don't add them here. Parking and tolls are separate from the IRS mileage rate and do belong here.

$
$
$
$
$
$
$
$
$
7

Your Profit Goals

$
$/hr

Recommended Fee uses your profit goal. Target Fee uses your hourly rate × this job's total time.

8

Tax Settings

for Smart Decision 2.0

Your true profit already counts driving at the IRS rate, so it is the same profit the IRS taxes. These settings estimate the tax on it.

%
%
acts
$
$0.00

Notary fees are exempt from self-employment tax; the rest of the signing fee is not. Use your state's per-act maximum (e.g. $15 in California).

Your Results

Smart Decision Assistant

If you accept this Refinance signing for $125.00, you actually keep:

$0.00
true profit · $0.00/hr
— —
    LOWunder $20
    ACCEPTABLE$20–$40
    GOOD$40–$75
    EXCELLENTover $75
    Break-Even Analysis

    Minimum Acceptable Offer

    What this exact assignment needs to pay, based on your costs and time.

    Break-Even Fee
    Covers costs only — $0 profit
    $0.00
    Recommended Fee
    Costs + your $40 profit goal
    $0.00
    Target Fee
    Costs + $35/hr for 0.0 hrs of work
    $0.00
    Smart Decision 2.0 · Cash, Car Fund & Taxes

    Where your fee goes

    —
    Where the fee goes
    True profit (what the IRS taxes)
    $0.00
    Estimated taxes
    $0.00
    After-tax take-home
    $0.00
    After-tax per hour
    $0.00

      Simplified estimate for one job: SE tax = 15.3% × 92.35% of taxable profit minus notary fees; half of SE tax is deducted before income tax. Ignores the QBI deduction, credits and brackets. Not tax advice.

      SigningLedger does this for every signing — automatically. Real profit by job and customer, mileage at the IRS rate, notary fees separated as SE-exempt, and a CPA-ready package at tax time.

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      Executive Dashboard

      Profitability Breakdown

      $

      Revenue & Profitability

      Cost Breakdown
      Charts load from the internet (Chart.js). Connect to see them — every number on this page still works offline.
      Profitability
      Charts load from the internet (Chart.js).
      i

      Advanced Profit Insights

      What-If Analysis

      Assignment fee
      $0
      Round trip mileage
      0 mi
      Borrower page count
      0 pgs
      Additional expenses
      $0
      CurrentWhat-ifChange
      —
      You keep
      $0.00
      $0.00/hr
      — Results ↓
      SigningLedgerEarly Access Pilot Program

      Stop guessing on every signing. Know your numbers all year.

      This calculator answers one offer. SigningLedger is the all-in-one accounting platform built for notaries and loan signing agents — by a notary — that tracks the real profit of every job you take.

      • Profitability by job, customer and service type
      • Mileage logged per signing with the IRS deduction calculated
      • Notarial fees separated as SE-tax exempt — automatically
      • Invoices, receivables and who owes you, at a glance
      • Schedule C, quarterly tax estimates and a CPA package
      • Expenses & vendors with 1099 tracking for subcontractors
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      SigningLedger profitability report showing profit by job