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Pricing for Profit: Our Guide to a Strong Pricing Structure

Pricing Structure Bedford Accountants

If you’ve ever quoted a price, heard “yes” instantly, and thought… “I’ve definitely undercharged” – you probably did.

Most small business owners don’t have a pricing issue, they have a pricing structure clarity issue. You know your craft, you care deeply about your clients, but when it comes to putting numbers on your offers, it’s easy to choose what feels “reasonable” instead of what’s actually profitable.

At TNQ, we help clients build pricing structures that support profit, sustainability, and growth, not stress, guessing, or feast-and-famine cycles.


1. Before You Price: Understand the Numbers That Actually Matter

You cannot build profitable offers if the foundations are foggy. Profit isn’t a lucky leftover; it’s the outcome of intentional decisions around costs, capacity and pricing.

TNQ walks clients through this step all the time, because a strong pricing structure starts with clear baselines.

Know your minimums

Start with three key questions:

1. What are your monthly business costs?

  • Fixed: rent, software, insurance, marketing, subscriptions, wages
  • Variable: freelancers, materials, delivery, payment fees, ad spend

2. How much do you personally need to earn?

Salary/dividends, pension contributions, plus a buffer.

3. How much time do you truly have for paid work?

Actual deliverable hours are always less than expected.

Once you know this, you can reverse-engineer your baseline rate.

A simple example

Business overheads: £2,000
Personal income target: £3,000
Combined target: £5,000
Deliverable hours per month: ~80

Minimum hourly baseline:
£5,000 ÷ 80 = £62.50 per hour

This is NOT your selling rate.
This is your floor – the foundation of your pricing structure, not the final price.


2. Build Offers Around Outcomes, Not Tasks

TNQ often sees business owners undercharge because their offers are built around a list of tasks, not the transformation they create.

Define the transformation

Ask yourself:

  • What problem am I solving?
  • What changes for the client after working with me?
  • What does that translate to in time, money, ease, or clarity?

People pay for outcomes, not deliverables.

Set clear scope and boundaries

Profit leaks come from vagueness — extra calls, endless revisions, “quick favours.”

TNQ helps clients restructure offers with:

  • Clear inclusions/exclusions
  • Fixed revision limits
  • Defined timelines
  • Pricing for change requests

Clear boundaries = clear pricing structure = clear profit.

Use simple tiered offers

3 tiers work best:

  • Core – essential
  • Plus – best value
  • Premium – high-touch / deep strategy

This structure helps clients self-select without discounting.


3. Price for Value, Not Time

There’s no single “right” price, but there are smarter ways to build a profitable pricing structure.

Step 1: Anchor against value

If your work:

  • increases revenue
  • saves time
  • reduces financial risk
  • prevents expensive mistakes

…your fee should reflect a portion of that value.

Step 2: Check against your floor

Does the price:

  • cover your minimum baseline?
  • respect your capacity?
  • work within your larger pricing structure?

If you need 30 sales of a time-heavy offer to survive, the model is broken.

Step 3: Test, don’t guess

Try:

  • raising prices for new clients
  • adding a higher tier
  • quoting ranges
  • running short pricing experiments

If everyone says yes instantly, you’re still too cheap.


4. Make Your Payment Structure Work For You

A solid pricing structure includes how clients pay, not just how much.

Deposits & stage payments

Examples:

  • 50% upfront / 25% mid / 25% end
  • 40% upfront / remainder monthly

Deposits:

  • protect your cash flow
  • filter non-serious enquiries
  • increase commitment

Retainers & recurring revenue

TNQ always encourages predictable income when possible.

Examples:

  • Monthly finance check-ins
  • Ongoing website/tech support
  • Monthly strategy calls

Retainers make pricing smoother and help you invest confidently.

Payment plans > discounts

Plans maintain your pricing integrity without reducing your profit.


5. Communicating Your Prices With Confidence

You can create the perfect pricing structure, but still sabotage yourself in the sales conversation.

Lead with value

Instead of:

“It costs £X for these tasks…”

Try:

“Here are the outcomes we’ll achieve.
The investment for that result is £X.”

Hold the silence

Say the price. Stop talking. Let them respond.

Handling “That’s expensive”

Try:

  • “What were you expecting?”
  • “Shall we adjust the scope?”
  • “Would a payment plan help?”

Protect the integrity of your pricing. Scope can flex — value shouldn’t.


6. Common Pricing Mistakes (TNQ Sees These All the Time)

1. Pricing based on what you would pay

You are not your ideal client.

2. Copying competitors without knowing their maths

Most competitors haven’t done the maths either.

3. Underpricing to “get in the door”

Temporary, strategic discounts only.

4. Saying yes to custom everything

Custom = chaos unless priced at a premium.

5. Never reviewing your prices

TNQ recommends reviewing your pricing structure every 6–12 months.


7. TNQ’s Simple Framework to Create a Profitable Pricing Structure (Use It This Week)

Step 1: Pick one core offer

The one you want to be known for.

Step 2: Write the “promise”

“We help [WHO] achieve [OUTCOME] in [TIMEFRAME] by [METHOD].”

Step 3: Map delivery

Include thinking time, communication, revisions — not just hands-on work.

Step 4: Calculate your floor and target

Add a profit margin of 30–50% above your baseline.

Step 5: Create 2–3 packages

With a clear, intentional pricing structure.

Step 6: Test with real people

Clients, peers, or your accountant (TNQ can help here).


Profit isn’t selfish – it’s sustainability.

When you design offers around value and build a strong pricing structure, you create:

  • a fair exchange
  • a stable business
  • better client outcomes
  • a calmer, more confident working life

Your pricing should support you – not stress you. If you’re struggling with this on your own, ditch the DIY approach and find out how The Numbers Quarter can help – it might be time to switch accountants.

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