Skip to the calculator
SmallBizCalci
  • Calculator
  • 1099 taxes
  • How we calculate
  • FAQ
  • Tax calculators

    • 1099 Tax Calculator

    Guides

    • 1099 taxes explained
    • Pricing calculator
Calculator / Photographers

Photography Pricing Calculator

The shoot is the short part. Culling, editing, retouching and delivery routinely take longer than the camera did, and a price built on the shoot alone never accounts for them.

Free · No sign-up · Nothing you type leaves your device

Photographers pricing calculator

1

What it costs you

What you pay for the physical goods in one unit: raw materials, parts, wholesale cost, packaging, ingredients. For a service, leave it blank or enter supplies used on one job.

$

Costs tied to this one job or unit that are not materials and not your own labor: shipping, subcontractors, travel, permits, stock photos, equipment rental, delivery.

$

Overhead includes expenses such as rent, software, insurance, utilities, marketing, and other business expenses. Enter the share of those costs that this job or unit should carry. A quick way to estimate it: monthly overhead divided by the number of jobs or units you sell in a month.

$

Applied to each unit. Change this under Advanced settings.

2

Your labor

Hours of work that go into one unit or one job. Count everything: prep, travel, revisions, cleanup, emails. Decimals are fine, so 90 minutes is 1.5.

hrs

What one hour of your time costs the business. Pay yourself properly here: this is a cost, not your profit. If you want the equivalent of a $60,000 salary and you can bill about 1,200 hours a year, that is roughly $50 an hour before overhead.

$ /hr

3

Profit and order size

The share of the selling price you keep after every cost and fee in this calculator. A 30% margin on a $100 price means $30 is profit. Service businesses commonly target 15–35%; products often need more to cover returns and slow stock.

%

The percentage a card processor or marketplace takes off the top. Typical US card rates run about 2.6–3.5%. Marketplace sellers should add the platform commission here too. Set it to 0 if you are paid by cash, check or bank transfer.

%

How many units are in this order or job. The price per unit stays the same; the order total scales with it. Leave it at 1 if you are pricing a single item or a one-off service.

Advanced settings Overhead per unit · no sales tax · round to the cent

Tax you add on top of your price and pass straight to the state. It is never counted as your revenue or profit here. US combined state and local rates usually land between 0% and 10.5%. Check your own state and city rate.

%

The flat amount a processor charges on each transaction, on top of the percentage. Many US processors charge about $0.30 per transaction. It is applied once per order, not per unit.

$

Choose “the whole order” when the overhead figure covers the entire job no matter how many units it contains.

Anything other than the nearest cent rounds up, so you never end up under your target margin.

Your price updates as you type.

These results are out of date. Fix the highlighted fields above to update them.

Recommended selling price

$0.00

per unit, before sales tax

Customer pays $0.00 per unit, tax included
Total order value $0.00 1 unit
Your profit $0.00 30% margin

Where the price goes

  • Costs $0.00 0%
  • Fees $0.00 0%
  • Profit $0.00 0%
Line by line breakdown, per unit and for the whole order
Line Per unit Order total
Materials / product$0.00$0.00
Labor $0.00$0.00
Other costs$0.00$0.00
Overhead$0.00$0.00
Total cost$0.00$0.00
Payment processing fee $0.00$0.00
Profit$0.00$0.00
Base selling price$0.00$0.00
Sales tax $0.00$0.00
Customer pays$0.00$0.00
  • Profit margin0%
  • Markup on cost0%
  • Cost per unit$0.00
  • Quantity1
Show the math

Results are estimates based on the information you enter. Actual taxes, fees, and business expenses may vary.

How to price a shoot

Editing is the majority of the job

A four-hour shoot is rarely a four-hour job. Culling several hundred frames, editing the selects, retouching the ones that need it, preparing a gallery and handling the delivery can easily be six or seven hours on top. Photographers who price a “half-day shoot” are pricing about forty percent of the work. Estimate the post-production hours explicitly and put them in with the shooting hours. If that makes the price uncomfortable, the answer is to shoot fewer frames or deliver fewer images, not to keep absorbing the time.

Gear is a consumable on a long fuse

Bodies, lenses, lighting, cards, batteries and a computer that can handle the files all wear out or become obsolete, and the work is what consumes them. Take the realistic replacement cost of your kit, divide it by the shoots it will do before it needs replacing, and that number belongs in your overhead on every job. It is uncomfortable arithmetic the first time. It is also the difference between a photographer who replaces a failing body from the business and one who cannot afford to.

Usage and licensing sit on top of the time

In commercial work, what the client may do with the images is a separate axis from how long they took to make. The same product shoot costs the same in hours whether the pictures go on one website or on billboards in twelve markets, and the licence should not be the same price. Use the calculator to find the floor — the number below which the work loses money — then price usage, exclusivity and duration on top. For consumer work such as portraits and weddings this matters less, but even there the print and album rights are worth being explicit about.

A seasonal, lumpy year needs a margin that survives February

Wedding and portrait work clusters heavily, and the quiet months still carry insurance, software, storage and the gear payments. A 10% margin looks acceptable on a busy Saturday and provides nothing for a January with no bookings. The margin is not a bonus on top of a fair wage — the hourly rate already paid you for the work. The margin is what funds the empty weeks, the failed hard drive, the second body you must own for a wedding, and eventually a holiday. Price it at a level that makes those things possible.

The formula behind the calculator, including why the margin is divided rather than multiplied, is written out step by step on the pricing calculator.

What photographers have to price in

Photography hides more of its cost in time and equipment than almost any other service trade, which is exactly why a price built on visible expenses comes out too low.

Shooting hours
Time on location or in the studio, including setup and pack-down.
Travel and scouting
Mileage, parking, and any location visit before the day itself.
Culling and editing hours
Usually longer than the shoot. The single most underestimated cost in the trade.
Retouching
Detailed work on selected frames, or what you pay a retoucher to do it.
Gallery, delivery and storage
Client gallery hosting, file delivery, and the archive you are expected to keep for years.
Equipment replacement
Bodies, lenses, lighting and the editing computer, divided by the shoots they will complete.
Insurance
Equipment cover, liability, and the venue requirements that come with weddings and commercial work.
Software subscriptions
Editing suite, catalogue tools, gallery hosting, cloud backup and a booking system.
Second shooter or assistant
What you pay them, plus their expenses. You may need to issue them a 1099.
Props, wardrobe and consumables
Backdrops, props, gels, batteries, cards and anything bought for a specific shoot.
Prints, albums and packaging
Cost of goods where the deliverable is physical, including the reprint you will occasionally absorb.
Marketing and portfolio
Website, hosting, advertising, model shoots and the unpaid work that fills the portfolio.

A cost you leave out does not disappear — it comes out of your profit instead. Put every one of these into the calculator above, even the ones that feel too small to bother with.

A worked example: a half-day commercial shoot

Four hours on location and seven hours of culling, editing, retouching and delivery. Eleven hours in total at a commercial rate, with the props and travel for this job and a share of the monthly overhead including gear replacement.

What goes in
Total hours11Four hours shooting, seven hours culling, editing, retouching and delivering.
Hourly rate$85.00A commercial rate, set against realistic billable hours across a seasonal year.
Job costs$95.00Travel, parking, props and consumables for this shoot.
Overhead share$220.00Software, insurance, gallery hosting and gear replacement, shared across the month’s shoots.
Target margin30%Higher than a steady trade would need, because the quiet months have to come out of it.
Card processing2.9%Card payment on the invoice.
How the figure is built
Labor$935.00Hours on the job at your own rate. Charge for it or fund it yourself.
Other job costs$95.00Travel, consumables, subcontractors, anything bought for this job alone.
Overhead$220.00The share of running the business that this job has to carry.
Total cost$1,250.00What the job costs you before you have made a penny.
Payment processing$54.02Taken off the top by the processor, so the price has to cover it.
Profit$558.87What is actually left, at the margin you asked for.
  • Price per unit $1,862.89
  • What the customer pays $1,862.89
  • Profit margin 30%
  • Equivalent markup 44.71%

Eleven hours at this rate is $935, and the job costs $1,250 in total once travel, props and overhead are counted. The price comes out at $1,862.89. Now consider the photographer who quotes “a half-day” and prices the four hours they were on location. Their labour line is $340 rather than $935 — they have given away seven hours of editing they will still sit down and do. That gap is larger than the entire profit on this job, and it is why photographers can be fully booked and still short of money.

Run your own figures through the calculator above — the numbers here are an illustration, not a benchmark, and local rates vary enormously.

Photographers pricing questions

How do I charge for editing time?

Include it in the price rather than itemising it. Clients buy a finished set of images, not a shoot plus a service, and breaking out editing invites a negotiation about whether they really need it. Estimate the post-production hours honestly, add them to the shooting hours, and quote one figure for the deliverable. If the total is uncomfortably high, reduce the number of delivered images rather than the rate — fewer, better images is a defensible package, whereas editing for free is not a package at all.

Should I charge per hour, per image or per package?

Package, with the hours behind it. Per-hour pricing punishes you for being fast and makes clients watch the clock rather than the work. Per-image pricing encourages you to deliver more mediocre frames. A package — a defined shoot length, a defined number of edited images, a defined licence — is what clients want to buy and what protects you, provided the number came from a real estimate of shooting and editing time rather than from what a competitor charges. Keep an hourly rate published for anything outside the package.

What profit margin should a photographer aim for?

Higher than a steady service business, because the year is not steady. The margin is not your wage — the hourly rate in the calculator already pays you for the work. The margin is what covers the quiet months, the failed drive, the backup body you must own to shoot a wedding responsibly, and eventually time off. Twenty-five to thirty-five percent is a realistic target for most photographers; ten percent is a business that works only as long as nothing goes wrong and the bookings never stop.

Put this calculator on your own site

Free to embed on any site, no attribution fee and no sign-up. The frame loads nothing but the calculator itself — no tracking, no cookies, no third-party scripts — so it will not slow your page down or complicate your own privacy policy. Copy the code below and paste it into any HTML block.

Related

  • Pricing calculator — the full calculator, with every option and the formula written out.
  • 1099 Tax Calculator — what you keep after self-employment tax and federal income tax.
  • 1099 taxes explained — deductions, quarterly payments and how the pieces fit together.
  • Freelance Web Developer Rate Calculator — the same estimate, worded for freelance web developers.
  • Graphic Design Pricing Calculator — the same estimate, worded for graphic designers.
  • House Cleaning Pricing Calculator — the same estimate, worded for house cleaning businesses.
Pricing calculator 1099 tax calculator 1099 tax guide All calculators About Contact Privacy policy

SmallBizCalci — a free pricing calculator for freelancers, contractors, service businesses and online sellers in the United States.

Everything runs in your browser. No account, no tracking of the figures you enter, nothing stored on a server. Results are estimates, not professional tax, accounting or financial advice.