Doug, the lightweight calculator I linked to here yesterday, I just don't think it fits once you have employee's. Even for one man show it is not really detailed, but at least it might help in education for those who think going off the diving board at $ 60 bucks an hour is the path to riches and retirement. In the situation of employee's you need to be extra careful of costs and it requires a greater breakout. The plumbers calculator would be a better way to go, or the other one I e-mailed to you last week.