{"id":7945,"date":"2023-02-03T08:00:00","date_gmt":"2023-02-03T13:00:00","guid":{"rendered":"https:\/\/www.sage.com\/en-us\/blog\/?p=7945"},"modified":"2025-07-17T13:37:59","modified_gmt":"2025-07-17T17:37:59","slug":"free-invoice-templates-contractor","status":"publish","type":"post","link":"https:\/\/www.sage.com\/en-us\/blog\/free-invoice-templates-contractor\/","title":{"rendered":"Free Invoice Templates &#8211; Contractor"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--has-illustration entry-header--has-illustration--generic\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-us\/blog\/category\/money-matters\/\" class=\"entry-header__link\">Money Matters<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tFree Invoice Templates &#8211; Contractor\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \">Published <time class=\"entry-date published\" datetime=\"2023-02-03T08:00:00-05:00\">February 3, 2023<\/time><\/span><span class=\"reading-time\"> min read<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"Free Invoice Templates &#8211; Contractor\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/en-us\/blog\/free-invoice-templates-contractor\/\"\n\t\t\tdata-share-text=\"Please read this interesting article\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Share<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copy Link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copied<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n\t<\/header>\n\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/en-us\/blog\/author\/laurenpearson\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2020\/03\/emiliecarolLauren-4.jpg\" class=\"entry-author__image\" alt=\"\" \/>\t\t\t\t<span class=\"entry-author__name\">Lauren Pearson<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">Contractors perform a wide range of services, from home remodeling to business consulting to tutoring services and beyond. But regardless of specifics, all contractors need to get paid for their services. Our free contractor invoice template is what you need to request payment in a professional manner, providing the proper layout to calculate hours and days worked in accordance with your determined rate of pay.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\n<a  class=\"link\"\n\thref=\"#gate-9571ec4e-0c5d-41b2-b0c2-e077f14fd64b\"\n>\n\tDownload the Invoice Template for Contractors<\/a>\n<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-use-this-invoice-template\">How to use this invoice template<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Our free contractor invoice template is simple and intuitive to use. Once downloaded, you can easily customize it to fit your needs. Different projects might call for slightly different invoice formatting\u2014that\u2019s why we made our contractor invoice template so flexible.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Simply download the contractor invoice template.<\/li>\n\n\n\n<li>Make sure to add your company logo and contact information at the top.<\/li>\n\n\n\n<li>Add and remove lines as needed\u2014some jobs may require more or less room for details.<\/li>\n\n\n\n<li>Leave space for special notes.<\/li>\n\n\n\n<li>Get paid!<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-should-be-included-on-an-invoice-for-contractors\">What should be included on an invoice for contractors<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">True for all contracting work, your individual terms should be included on your invoice in addition to your general rates. An invoice template for an independent contractor who provides multiple services might include a breakdown of their charging process. For example, they may charge a specific hourly rate as well as a separate charge for materials needed to complete the service.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a general rule, you\u2019ll want to be as clear and detailed as possible when preparing your invoice. Read our&nbsp;<a href=\"https:\/\/www.sage.com\/en-us\/blog\/how-to-write-an-invoice\/\" target=\"_blank\" rel=\"noreferrer noopener\">creating invoices guide<\/a>&nbsp;to learn how to create the right invoice for you business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A standard contractor invoice format should include space for:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Your name or the name of your company<\/li>\n\n\n\n<li>Your client\u2019s name<\/li>\n\n\n\n<li>Invoice number and\/or work order number<\/li>\n\n\n\n<li>The date or duration you\u2019re providing your services<\/li>\n\n\n\n<li>For labor costs, a description of your services rendered<\/li>\n\n\n\n<li>For flat rate: Dollar amount for cost of labor<\/li>\n\n\n\n<li>For hourly rate: Number of hours spent performing work and dollar amount per hour for cost of labor<\/li>\n\n\n\n<li>Total amount for cost of labor<\/li>\n\n\n\n<li>For cost of materials, a description of each material used<\/li>\n\n\n\n<li>Quantity of materials: Cost per unit of materials<\/li>\n\n\n\n<li>Total amount for cost of materials<\/li>\n\n\n\n<li>Miscellaneous charges: a description, quantity and cost for these items (if applicable)<\/li>\n\n\n\n<li>The total price you\u2019re charging, including applicable tax<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">As an independent contractor, your taxes are not automatically deducted by your employer to comply with federal, state and city tax requirements. It\u2019s important to remember that at the end of each year when you fill out a 1099 form, you\u2019ll be responsible for paying those taxes to the IRS. By making sure to include a line item for any applicable taxes, you guard yourself against withholding too little from your income and being unable to pay your federal, state and city taxes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember to set aside at least 30% of your income to pay your taxes. Rates may vary according to state (and sometimes) cities, but you\u2019ll thank yourself later when you\u2019re able to easily cut a check to the IRS to pay your taxes instead of dipping into your hard-earned profits and savings to do so. Additionally, consider making quarterly payments to the IRS to avoid having to pay your taxes all at once when tax season rolls around.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-to-send-an-invoice\">When to send an invoice<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The ideal time to send an invoice varies by industry as well as preference. Invoicing at the beginning of the client engagement ensures you won\u2019t be working for free, though it may be objectionable to a&nbsp;certain clientele. Sending an invoice after the work is completed shows trust on your end, but leaves you open to unsavory clients taking advantage of that trust.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A simple solution to the latter is choosing only to work with trustworthy clients. Go with your gut\u2014your initial correspondence should provide you with sufficient insight into your client\u2019s character.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Still, it is far from unreasonable to start the invoicing process at the beginning of the engagement. Since contractors often don\u2019t have a larger company standing behind them, it can be customary to request partial or even full payment before your services are rendered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As you develop experience and foster relationships with repeat clients, your <a href=\"https:\/\/www.sage.com\/en-us\/blog\/what-is-invoice-processing\/\">invoicing process<\/a> may evolve into a more relaxed but streamlined process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-invoice-like-a-pro\">Invoice like a pro<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to be a pro, you have to act like one. Check out these field-tested tips to get you on the right track with your invoicing process.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Be professional, be polite<\/strong>&nbsp;\u2013 these two qualities can (and must) coexist on your invoice. Clients want to see that you take your work seriously. Professional courtesies include the time-honored \u201cplease and thank you\u2019s\u201d as well as clear, honest reporting of your services.<\/li>\n\n\n\n<li><strong>Set clear payment deadlines<\/strong>&nbsp;\u2013 providing a \u201cpay by\u201d date for your client helps ensure you get paid promptly and on your terms. Not only that, but setting specific parameters speaks to your professionalism. Clients want to see that you\u2019re established enough to have terms.<\/li>\n\n\n\n<li><strong>Number your invoices<\/strong>&nbsp;\u2013 this simple tactic does much for establishing yourself as the real deal. It also makes it easier to keep track of the work you\u2019ve done. If you\u2019re sending your first invoice, you may want to assign it a higher number to come off as more experienced.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Invoicing tips from business owners like you<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Contractors are a special breed\u2014the ability to set your own working terms is invaluable. But your independence also leaves you especially susceptible to the hard learning curve of good business practices. These tips from business owners and individuals like you can help you avoid some common mistakes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Need a straightforward, generic template? Check out our free, <a href=\"https:\/\/www.sage.com\/en-us\/blog\/free-invoice-templates-simple\/\" target=\"_blank\" rel=\"noreferrer noopener\">simple invoice templates<\/a>.<\/p>\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Subscribe to our Sage Advice Newsletter<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Get our latest business advice delivered directly to your inbox.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-ab515c6e-7e90-4c2f-a67e-113872516e8b\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Subscribe<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/GettyImages-1073797282-1440x810.jpg\" class=\"single-cta__image\" alt=\"Working from home with tea in hand\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/GettyImages-1073797282-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n<section class=\"more-topics alignfull has-grey-light-background-color wp-block-sage-post-topics\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col col-12 col-lg-4\">\n\t\t\t\t<h3 class=\"more-topics__title h2\">Browse more topics from this article<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"col col-12 col-lg-8\">\n\t\t\t\t<ul class=\"post-tags__list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-us\/blog\/hub\/cash-flow\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tCash Flow\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<div class=\"alignfull wp-block-sage-related-posts\">\n\t<section class=\"related-posts card-grid has-dark-background-color\">\n\t<div class=\"container\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--featured h1\">Explore more wisdom<\/h2>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"row related-posts__featured\">\n\t\t\t\t<div class=\"col card-grid__item\">\n\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-0 post-13533 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters tag-accounting-101 tag-boss-your-business tag-business-continuity tag-cash-flow tag-productivity tag-small-business business_type-small-business business_type-growing-business card-post--is-clickable\"\n>\n\t<div class=\"card-post__media-wrapper\">\n\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1215\" height=\"810\" src=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/12\/BrandShootLDN_Dec2021_Construction_0014-JPG-Sage-Advice-1215x810.jpeg\" class=\"card-post__image\" alt=\"Construction professional at desk\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/12\/BrandShootLDN_Dec2021_Construction_0014-JPG-Sage-Advice-684x384.jpeg 684w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/12\/BrandShootLDN_Dec2021_Construction_0014-JPG-Sage-Advice-768x512.jpeg 768w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/12\/BrandShootLDN_Dec2021_Construction_0014-JPG-Sage-Advice-1215x810.jpeg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"card-post__content\">\n\t\t\t\t\t<div class=\"card-post__label\">Recommended<\/div>\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-07-31T05:12:45-04:00\">July 31, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">16 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h3\">\n\t\t\t\t\t\t\t<a\n\t\t\t\t\tclass=\"card-post__title-link\"\n\t\t\t\t\thref=\"https:\/\/www.sage.com\/en-us\/blog\/why-you-should-be-doing-cash-flow-analysis\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tCash flow analysis guide: Definition, steps, and examples\u00a0\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\n\t\t\n\t\t\t\t\t<p class=\"card-post__description\">\n\t\t\t\tUnderstanding your cash flow is key to making confident financial decisions. This guide explains how cash flow analysis works, what it tells you about your business, and how to use it to plan ahead. We\u2019ll also look at a cash flow analysis example so you can see how the process is applied practically. \t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n\n\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"row related-posts__non-featured\">\n\t\t\t\t<div class=\"col col-12\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--more h4\">More on this Topic<\/h2>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-1 post-27827 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters tag-accounting-101 tag-boss-your-business tag-business-continuity tag-cash-flow tag-productivity tag-small-business business_type-small-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-us\/blog\/net-30-payment-terms\/\"\n\t\t\t\t\t>\n\t\t\t<figure 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2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">12 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tNet 30 payment terms: What they are and why they matter\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-2 post-34435 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters tag-accounting-101 tag-cash-flow tag-growing-a-business tag-small-business business_type-small-business business_type-growing-business industry-nonprofit\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-us\/blog\/church-accounting-101\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/GettyImages-1261563958-684x384.jpg\" class=\"card-post__image\" alt=\"3 men sit in front of a computer\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/GettyImages-1261563958-684x384.jpg 684w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/GettyImages-1261563958-768x432.jpg 768w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/GettyImages-1261563958-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-07-21T12:11:21-04:00\">July 21, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">12 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tChurch accounting 101: What you need to know\u00a0\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-3 post-24119 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters category-trends-insights tag-accounting-101 tag-boss-your-business tag-cash-flow tag-small-business business_type-small-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-us\/blog\/cash-flow-statement-explained\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/GettyImages-152264416-684x384.jpg\" class=\"card-post__image\" alt=\"Man working on computer tablet\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/GettyImages-152264416-684x384.jpg 684w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/GettyImages-152264416-768x432.jpg 768w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/GettyImages-152264416-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-07-17T06:13:30-04:00\">July 17, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">14 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tA guide to understanding cash flow statements: Definition, methods and examples\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-4 post-19488 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters category-trends-insights tag-accounting-101 tag-boss-your-business tag-cash-flow tag-small-business tag-working-capital business_type-small-business business_type-accountants business_type-growing-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-us\/blog\/markup-calculator\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/05\/shutterstock_1276205242_c2222-684x384.jpg\" class=\"card-post__image\" alt=\"people in office\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/05\/shutterstock_1276205242_c2222-684x384.jpg 684w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/05\/shutterstock_1276205242_c2222-768x432.jpg 768w, https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2023\/05\/shutterstock_1276205242_c2222-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-07-15T04:11:00-04:00\">July 15, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">14 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tMarkup calculator (and how to calculate markup)\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Contractors perform a wide range of services, from home remodeling to business consulting to tutoring services and beyond. But regardless of specifics, all contractors need to get paid for their services. Our free contractor invoice template is what you need to request payment in a professional manner, providing the proper layout to calculate hours and [&hellip;]<\/p>\n","protected":false},"author":995,"featured_media":3666,"menu_order":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"_pwl_sage_podcast_buzzsprout_src":"","footnotes":""},"categories":[404,348,43],"tags":[299],"business_type":[40],"lilypad":[],"context":[],"industry":[50],"persona":[],"imagine_tag":[],"coauthors":[606],"class_list":["post-7945","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-construction","category-free-guides-templates","category-money-matters","tag-cash-flow","business_type-small-business","industry-construction-and-real-estate"],"sage_meta":{"region":"en-us","author_name":"Lauren Pearson","featured_image":"https:\/\/www.sage.com\/en-us\/blog\/wp-content\/uploads\/sites\/2\/2018\/03\/men-conferring.jpg","imagine_tags":[]},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice US","distributor_original_site_url":"https:\/\/www.sage.com\/en-us\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/posts\/7945","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/users\/995"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/comments?post=7945"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/posts\/7945\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/media\/3666"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/media?parent=7945"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/categories?post=7945"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/tags?post=7945"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/business_type?post=7945"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/lilypad?post=7945"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/context?post=7945"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/industry?post=7945"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/persona?post=7945"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/imagine_tag?post=7945"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/en-us\/blog\/api\/wp\/v2\/coauthors?post=7945"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}