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border-box;\n}\n\n#bgdi-profit-calculator {\n  --bgdi-navy: #07172f;\n  --bgdi-navy-2: #0d203c;\n  --bgdi-red: #e42d31;\n  --bgdi-red-dark: #c91f24;\n  --bgdi-white: #ffffff;\n  --bgdi-off-white: #f4f5f7;\n  --bgdi-grey: #677084;\n  --bgdi-border: #e4e7ec;\n  --bgdi-success: #168a4a;\n  --bgdi-shadow: 0 18px 44px rgba(7, 23, 47, .10);\n  --bgdi-radius: 18px;\n  max-width: 1180px;\n  margin: 0 auto;\n  padding: 34px 20px;\n  color: var(--bgdi-navy);\n  font-family: Inter, Arial, Helvetica, sans-serif;\n  line-height: 1.45;\n  background: var(--bgdi-white);\n}\n\n#bgdi-profit-calculator p,\n#bgdi-profit-calculator ul,\n#bgdi-profit-calculator li,\n#bgdi-profit-calculator form,\n#bgdi-profit-calculator fieldset {\n  margin-top: 0;\n}\n\n#bgdi-profit-calculator h2,\n#bgdi-profit-calculator h3 {\n  margin: 0;\n  color: var(--bgdi-navy);\n  letter-spacing: -.02em;\n  line-height: 1.18;\n}\n\n#bgdi-profit-calculator .bgdi-layout {\n  display: grid;\n  grid-template-columns: minmax(320px, .95fr) minmax(0, 1.05fr);\n  gap: 24px;\n  align-items: start;\n}\n\n#bgdi-profit-calculator .bgdi-card,\n#bgdi-profit-calculator .bgdi-kpi,\n#bgdi-profit-calculator .bgdi-summary-card,\n#bgdi-profit-calculator .bgdi-panel-pad {\n  min-width: 0;\n}\n\n#bgdi-profit-calculator .bgdi-card {\n  border: 1px solid var(--bgdi-border);\n  border-radius: var(--bgdi-radius);\n  background: var(--bgdi-white);\n  box-shadow: 0 12px 32px rgba(7, 23, 47, .06);\n}\n\n#bgdi-profit-calculator .bgdi-form-card {\n  position: sticky;\n  top: 18px;\n  overflow: hidden;\n}\n\n#bgdi-profit-calculator .bgdi-card-head {\n  padding: 22px 22px 18px;\n  background: var(--bgdi-off-white);\n  border-bottom: 1px solid var(--bgdi-border);\n}\n\n#bgdi-profit-calculator .bgdi-card-head h2 {\n  font-size: clamp(21px, 2vw, 24px);\n}\n\n#bgdi-profit-calculator .bgdi-card-head p {\n  margin: 8px 0 0;\n  color: var(--bgdi-grey);\n  font-size: 14px;\n  line-height: 1.45;\n}\n\n#bgdi-profit-calculator form {\n  padding: 20px 22px 22px;\n}\n\n#bgdi-profit-calculator fieldset {\n  border: 0;\n  margin: 0 0 22px;\n  padding: 0;\n}\n\n#bgdi-profit-calculator legend {\n  width: 100%;\n  margin: 0 0 12px;\n  padding: 0 0 10px;\n  border-bottom: 1px solid var(--bgdi-border);\n  font-size: 15px;\n  line-height: 1.25;\n  font-weight: 900;\n  color: var(--bgdi-navy);\n}\n\n#bgdi-profit-calculator .bgdi-grid-2 {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 12px;\n}\n\n#bgdi-profit-calculator .bgdi-field {\n  display: flex;\n  flex-direction: column;\n  gap: 7px;\n  min-width: 0;\n}\n\n#bgdi-profit-calculator label {\n  display: block;\n  font-size: 13px;\n  line-height: 1.28;\n  font-weight: 800;\n  color: #283348;\n  overflow-wrap: anywhere;\n}\n\n#bgdi-profit-calculator .bgdi-input-wrap {\n  position: relative;\n}\n\n#bgdi-profit-calculator .bgdi-prefix,\n#bgdi-profit-calculator .bgdi-suffix {\n  position: absolute;\n  top: 50%;\n  transform: translateY(-50%);\n  color: var(--bgdi-grey);\n  font-size: 13px;\n  line-height: 1;\n  font-weight: 800;\n  pointer-events: none;\n}\n\n#bgdi-profit-calculator .bgdi-prefix {\n  left: 13px;\n}\n\n#bgdi-profit-calculator .bgdi-suffix {\n  right: 12px;\n}\n\n#bgdi-profit-calculator input[type=\"number\"] {\n  width: 100%;\n  min-height: 46px;\n  border: 1px solid #d7dce5;\n  border-radius: 12px;\n  padding: 11px 12px;\n  background: #fff;\n  color: var(--bgdi-navy);\n  font-size: 16px;\n  line-height: 1.2;\n  font-weight: 800;\n  outline: none;\n  transition: border-color .18s ease, box-shadow .18s ease;\n  appearance: textfield;\n}\n\n#bgdi-profit-calculator input[type=\"number\"]::-webkit-outer-spin-button,\n#bgdi-profit-calculator input[type=\"number\"]::-webkit-inner-spin-button {\n  margin: 0;\n  -webkit-appearance: none;\n}\n\n#bgdi-profit-calculator .bgdi-has-prefix input {\n  padding-left: 31px;\n}\n\n#bgdi-profit-calculator .bgdi-has-suffix input {\n  padding-right: 52px;\n}\n\n#bgdi-profit-calculator .bgdi-suffix-small input {\n  padding-right: 38px;\n}\n\n#bgdi-profit-calculator input[type=\"number\"]:focus {\n  border-color: var(--bgdi-red);\n  box-shadow: 0 0 0 4px rgba(228, 45, 49, .12);\n}\n\n#bgdi-profit-calculator .bgdi-help {\n  color: var(--bgdi-grey);\n  font-size: 12px;\n  line-height: 1.35;\n  margin: -1px 0 0;\n}\n\n#bgdi-profit-calculator .bgdi-actions {\n  display: grid;\n  grid-template-columns: 1fr 1fr;\n  gap: 10px;\n  margin-top: 8px;\n}\n\n#bgdi-profit-calculator .bgdi-btn,\n#bgdi-profit-calculator button.bgdi-btn,\n#bgdi-profit-calculator a.bgdi-btn {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  gap: 8px;\n  width: 100%;\n  min-height: 46px;\n  border: 0;\n  border-radius: 999px;\n  padding: 12px 18px;\n  font-size: 14px;\n  line-height: 1.2;\n  font-weight: 900;\n  text-decoration: none;\n  text-align: center;\n  cursor: pointer;\n  transition: transform .18s ease, box-shadow .18s ease, background .18s ease;\n}\n\n#bgdi-profit-calculator .bgdi-btn-primary {\n  color: var(--bgdi-white);\n  background: var(--bgdi-red);\n  box-shadow: 0 12px 22px rgba(228, 45, 49, .24);\n}\n\n#bgdi-profit-calculator .bgdi-btn-primary:hover,\n#bgdi-profit-calculator .bgdi-btn-primary:focus-visible {\n  background: var(--bgdi-red-dark);\n  transform: translateY(-1px);\n}\n\n#bgdi-profit-calculator .bgdi-btn-secondary {\n  color: var(--bgdi-navy);\n  background: #eef1f5;\n  border: 1px solid var(--bgdi-border);\n}\n\n#bgdi-profit-calculator .bgdi-btn-dark {\n  color: var(--bgdi-white);\n  background: var(--bgdi-navy);\n}\n\n#bgdi-profit-calculator .bgdi-results {\n  display: grid;\n  gap: 18px;\n  min-width: 0;\n}\n\n#bgdi-profit-calculator .bgdi-result-hero {\n  overflow: hidden;\n  background: var(--bgdi-navy);\n  color: var(--bgdi-white);\n  border: 0;\n  box-shadow: var(--bgdi-shadow);\n}\n\n#bgdi-profit-calculator .bgdi-result-hero .bgdi-card-head {\n  background: transparent;\n  border-color: rgba(255, 255, 255, .1);\n}\n\n#bgdi-profit-calculator .bgdi-result-hero h2,\n#bgdi-profit-calculator .bgdi-result-hero .bgdi-card-head p {\n  color: var(--bgdi-white);\n}\n\n#bgdi-profit-calculator .bgdi-result-hero .bgdi-card-head p {\n  color: rgba(255, 255, 255, .72);\n}\n\n#bgdi-profit-calculator .bgdi-kpi-grid {\n  display: grid;\n  grid-template-columns: repeat(auto-fit, minmax(170px, 1fr));\n  gap: 12px;\n  padding: 18px 22px 22px;\n}\n\n#bgdi-profit-calculator .bgdi-kpi {\n  min-height: 128px;\n  border-radius: 18px;\n  padding: 16px;\n  background: rgba(255, 255, 255, .075);\n  border: 1px solid rgba(255, 255, 255, .12);\n}\n\n#bgdi-profit-calculator .bgdi-kpi span {\n  display: block;\n  color: rgba(255, 255, 255, .72);\n  font-size: 12px;\n  line-height: 1.28;\n  font-weight: 800;\n  margin-bottom: 10px;\n  overflow-wrap: anywhere;\n}\n\n#bgdi-profit-calculator .bgdi-kpi strong {\n  display: block;\n  color: var(--bgdi-white);\n  font-size: clamp(28px, 3.1vw, 38px);\n  line-height: 1.02;\n  letter-spacing: -.035em;\n  white-space: nowrap;\n}\n\n#bgdi-profit-calculator .bgdi-kpi small {\n  display: block;\n  margin-top: 9px;\n  color: rgba(255, 255, 255, .68);\n  font-size: 11.5px;\n  line-height: 1.3;\n  font-weight: 700;\n  overflow-wrap: anywhere;\n}\n\n#bgdi-profit-calculator .bgdi-summary-grid {\n  display: grid;\n  grid-template-columns: repeat(auto-fit, minmax(135px, 1fr));\n  gap: 12px;\n}\n\n#bgdi-profit-calculator .bgdi-summary-card {\n  padding: 16px;\n  border-radius: 18px;\n  background: var(--bgdi-white);\n  border: 1px solid var(--bgdi-border);\n  box-shadow: 0 8px 24px rgba(7, 23, 47, .045);\n}\n\n#bgdi-profit-calculator .bgdi-summary-card span {\n  display: block;\n  color: var(--bgdi-grey);\n  font-size: 12px;\n  line-height: 1.3;\n  font-weight: 800;\n  margin-bottom: 8px;\n  overflow-wrap: anywhere;\n}\n\n#bgdi-profit-calculator .bgdi-summary-card strong {\n  display: block;\n  font-size: clamp(22px, 2.4vw, 30px);\n  line-height: 1.05;\n  letter-spacing: -.035em;\n  color: var(--bgdi-navy);\n  white-space: nowrap;\n}\n\n#bgdi-profit-calculator .bgdi-split {\n  display: grid;\n  grid-template-columns: 1fr 1fr;\n  gap: 18px;\n}\n\n#bgdi-profit-calculator .bgdi-panel-pad {\n  padding: 22px;\n}\n\n#bgdi-profit-calculator .bgdi-panel-pad h3 {\n  font-size: 22px;\n  margin-bottom: 12px;\n}\n\n#bgdi-profit-calculator .bgdi-line-list {\n  display: grid;\n  gap: 0;\n  margin: 0;\n  padding: 0;\n  list-style: none;\n}\n\n#bgdi-profit-calculator .bgdi-line-list li {\n  display: grid;\n  grid-template-columns: minmax(0, 1fr) auto;\n  gap: 12px;\n  align-items: center;\n  padding: 12px 0;\n  border-bottom: 1px solid var(--bgdi-border);\n  color: #344054;\n  font-size: 13px;\n  line-height: 1.35;\n  font-weight: 700;\n}\n\n#bgdi-profit-calculator .bgdi-line-list li:last-child {\n  border-bottom: 0;\n}\n\n#bgdi-profit-calculator .bgdi-line-list span {\n  min-width: 0;\n  overflow-wrap: anywhere;\n}\n\n#bgdi-profit-calculator .bgdi-line-list strong {\n  color: var(--bgdi-navy);\n  white-space: nowrap;\n  font-size: 14px;\n  line-height: 1.25;\n  text-align: right;\n}\n\n#bgdi-profit-calculator .bgdi-meter {\n  display: grid;\n  gap: 11px;\n  margin-top: 18px;\n}\n\n#bgdi-profit-calculator .bgdi-meter-row {\n  display: grid;\n  grid-template-columns: 70px minmax(45px, 1fr) auto;\n  gap: 10px;\n  align-items: center;\n  color: #344054;\n  font-size: 13px;\n  line-height: 1.25;\n  font-weight: 800;\n}\n\n#bgdi-profit-calculator .bgdi-meter-track {\n  height: 12px;\n  overflow: hidden;\n  border-radius: 999px;\n  background: #e9edf3;\n}\n\n#bgdi-profit-calculator .bgdi-meter-fill {\n  display: block;\n  width: 0%;\n  height: 100%;\n  border-radius: 999px;\n  background: var(--bgdi-red);\n  transition: width .25s ease;\n}\n\n#bgdi-profit-calculator .bgdi-meter-fill.bgdi-fill-navy {\n  background: var(--bgdi-navy);\n}\n\n#bgdi-profit-calculator .bgdi-meter-fill.bgdi-fill-green {\n  background: var(--bgdi-success);\n}\n\n#bgdi-profit-calculator .bgdi-insight {\n  display: grid;\n  grid-template-columns: 44px minmax(0, 1fr);\n  gap: 14px;\n  padding: 18px;\n  border-radius: 18px;\n  background: var(--bgdi-off-white);\n  border: 1px solid var(--bgdi-border);\n}\n\n#bgdi-profit-calculator .bgdi-insight-icon {\n  display: grid;\n  place-items: center;\n  width: 44px;\n  height: 44px;\n  border-radius: 14px;\n  color: var(--bgdi-red);\n  background: rgba(228, 45, 49, .1);\n  font-weight: 1000;\n  font-size: 20px;\n}\n\n#bgdi-profit-calculator .bgdi-insight h3 {\n  margin-bottom: 6px;\n  font-size: 18px;\n}\n\n#bgdi-profit-calculator .bgdi-insight p {\n  margin: 0;\n  color: #465163;\n  font-size: 14px;\n  line-height: 1.45;\n  font-weight: 650;\n  overflow-wrap: anywhere;\n}\n\n#bgdi-profit-calculator .bgdi-disclaimer {\n  margin: 0;\n  padding: 14px 16px;\n  border-left: 4px solid var(--bgdi-red);\n  border-radius: 12px;\n  background: #fff7f7;\n  color: #465163;\n  font-size: 13px;\n  line-height: 1.45;\n  font-weight: 650;\n}\n\n@media (max-width: 1100px) {\n  #bgdi-profit-calculator .bgdi-kpi-grid {\n    grid-template-columns: 1fr;\n  }\n\n  #bgdi-profit-calculator .bgdi-summary-grid {\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n  }\n}\n\n@media (max-width: 980px) {\n  #bgdi-profit-calculator .bgdi-layout,\n  #bgdi-profit-calculator .bgdi-split {\n    grid-template-columns: 1fr;\n  }\n\n  #bgdi-profit-calculator .bgdi-form-card {\n    position: static;\n  }\n\n  #bgdi-profit-calculator .bgdi-kpi-grid {\n    grid-template-columns: repeat(3, minmax(0, 1fr));\n  }\n}\n\n@media (max-width: 720px) {\n  #bgdi-profit-calculator {\n    padding: 24px 14px;\n  }\n\n  #bgdi-profit-calculator .bgdi-grid-2,\n  #bgdi-profit-calculator .bgdi-kpi-grid,\n  #bgdi-profit-calculator .bgdi-summary-grid,\n  #bgdi-profit-calculator .bgdi-actions {\n    grid-template-columns: 1fr;\n  }\n\n  #bgdi-profit-calculator .bgdi-card-head,\n  #bgdi-profit-calculator form,\n  #bgdi-profit-calculator .bgdi-kpi-grid,\n  #bgdi-profit-calculator .bgdi-panel-pad {\n    padding-left: 18px;\n    padding-right: 18px;\n  }\n}\n\n@media (max-width: 440px) {\n  #bgdi-profit-calculator .bgdi-line-list li {\n    grid-template-columns: 1fr;\n    gap: 4px;\n  }\n\n  #bgdi-profit-calculator .bgdi-line-list strong {\n    text-align: left;\n  }\n\n  #bgdi-profit-calculator .bgdi-meter-row {\n    grid-template-columns: 1fr;\n  }\n\n  #bgdi-profit-calculator .bgdi-insight {\n    grid-template-columns: 1fr;\n  }\n}\n\n@media print {\n  #bgdi-profit-calculator {\n    padding: 0;\n  }\n\n  #bgdi-profit-calculator .bgdi-form-card,\n  #bgdi-profit-calculator .bgdi-actions {\n    display: none !important;\n  }\n\n  #bgdi-profit-calculator .bgdi-card {\n    box-shadow: none;\n  }\n}\n\u003C\u002Fstyle>\n\n\u003Cdiv class=\"bgdi-layout\">\n  \u003Cdiv class=\"bgdi-card bgdi-form-card\">\n    \u003Cdiv class=\"bgdi-card-head\">\n      \u003Ch2>Your lesson numbers\u003C\u002Fh2>\n      \u003Cp>Enter your own figures. The starting values are examples only.\u003C\u002Fp>\n    \u003C\u002Fdiv>\n\n    \u003Cform id=\"bgdi-form\" autocomplete=\"off\">\n      \u003Cfieldset>\n        \u003Clegend>Lesson income\u003C\u002Flegend>\n        \u003Cdiv class=\"bgdi-grid-2\">\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-rate\">Hourly lesson price\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-prefix\">\n              \u003Cspan class=\"bgdi-prefix\">£\u003C\u002Fspan>\n              \u003Cinput id=\"bgdi-rate\" name=\"hourly_lesson_price\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"0.50\" value=\"40\" data-default=\"40\">\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-duration\">Lesson duration\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-suffix\">\n              \u003Cinput id=\"bgdi-duration\" name=\"lesson_duration\" type=\"number\" inputmode=\"numeric\" min=\"15\" step=\"5\" value=\"60\" data-default=\"60\">\n              \u003Cspan class=\"bgdi-suffix\">mins\u003C\u002Fspan>\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-lessons\">Booked lessons per week\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-suffix bgdi-suffix-small\">\n              \u003Cinput id=\"bgdi-lessons\" name=\"lessons_per_week\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1\" value=\"30\" data-default=\"30\">\n              \u003Cspan class=\"bgdi-suffix\">wk\u003C\u002Fspan>\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-weeks\">Working weeks per year\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-suffix\">\n              \u003Cinput id=\"bgdi-weeks\" name=\"working_weeks_per_year\" type=\"number\" inputmode=\"numeric\" min=\"1\" max=\"52\" step=\"1\" value=\"46\" data-default=\"46\">\n              \u003Cspan class=\"bgdi-suffix\">weeks\u003C\u002Fspan>\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-cancel\">Unpaid cancellations \u002F gaps\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-suffix bgdi-suffix-small\">\n              \u003Cinput id=\"bgdi-cancel\" name=\"unpaid_cancellations\" type=\"number\" inputmode=\"decimal\" min=\"0\" max=\"100\" step=\"0.5\" value=\"5\" data-default=\"5\">\n              \u003Cspan class=\"bgdi-suffix\">%\u003C\u002Fspan>\n            \u003C\u002Fdiv>\n            \u003Cp class=\"bgdi-help\">Set to 0% if you usually charge for late cancellations.\u003C\u002Fp>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-card-fee\">Card \u002F payment fee\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-suffix bgdi-suffix-small\">\n              \u003Cinput id=\"bgdi-card-fee\" name=\"payment_fee\" type=\"number\" inputmode=\"decimal\" min=\"0\" max=\"20\" step=\"0.1\" value=\"1.5\" data-default=\"1.5\">\n              \u003Cspan class=\"bgdi-suffix\">%\u003C\u002Fspan>\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n        \u003C\u002Fdiv>\n      \u003C\u002Ffieldset>\n\n      \u003Cfieldset>\n        \u003Clegend>Mileage and fuel\u003C\u002Flegend>\n        \u003Cdiv class=\"bgdi-grid-2\">\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-miles\">Miles per lesson\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-suffix\">\n              \u003Cinput id=\"bgdi-miles\" name=\"miles_per_lesson\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"0.5\" value=\"8\" data-default=\"8\">\n              \u003Cspan class=\"bgdi-suffix\">miles\u003C\u002Fspan>\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-mpg\">Vehicle MPG\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-suffix bgdi-suffix-small\">\n              \u003Cinput id=\"bgdi-mpg\" name=\"vehicle_mpg\" type=\"number\" inputmode=\"decimal\" min=\"1\" step=\"0.5\" value=\"42\" data-default=\"42\">\n              \u003Cspan class=\"bgdi-suffix\">mpg\u003C\u002Fspan>\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-fuel\">Fuel price per litre\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-prefix\">\n              \u003Cspan class=\"bgdi-prefix\">£\u003C\u002Fspan>\n              \u003Cinput id=\"bgdi-fuel\" name=\"fuel_price_per_litre\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"0.01\" value=\"1.45\" data-default=\"1.45\">\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-admin\">Admin hours per week\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-suffix\">\n              \u003Cinput id=\"bgdi-admin\" name=\"admin_hours_per_week\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"0.5\" value=\"4\" data-default=\"4\">\n              \u003Cspan class=\"bgdi-suffix\">hours\u003C\u002Fspan>\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n        \u003C\u002Fdiv>\n      \u003C\u002Ffieldset>\n\n      \u003Cfieldset>\n        \u003Clegend>Monthly business costs\u003C\u002Flegend>\n        \u003Cdiv class=\"bgdi-grid-2\">\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-insurance\">Instructor insurance\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-prefix\">\n              \u003Cspan class=\"bgdi-prefix\">£\u003C\u002Fspan>\n              \u003Cinput id=\"bgdi-insurance\" name=\"driving_instructor_insurance\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1\" value=\"150\" data-default=\"150\">\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-vehicle\">Vehicle finance \u002F lease\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-prefix\">\n              \u003Cspan class=\"bgdi-prefix\">£\u003C\u002Fspan>\n              \u003Cinput id=\"bgdi-vehicle\" name=\"vehicle_finance\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1\" value=\"350\" data-default=\"350\">\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-maintenance\">Servicing, tyres and repairs\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-prefix\">\n              \u003Cspan class=\"bgdi-prefix\">£\u003C\u002Fspan>\n              \u003Cinput id=\"bgdi-maintenance\" name=\"maintenance\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1\" value=\"90\" data-default=\"90\">\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-franchise\">Franchise \u002F diary software\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-prefix\">\n              \u003Cspan class=\"bgdi-prefix\">£\u003C\u002Fspan>\n              \u003Cinput id=\"bgdi-franchise\" name=\"franchise_cost\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1\" value=\"0\" data-default=\"0\">\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-marketing\">Marketing, phone and website\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-prefix\">\n              \u003Cspan class=\"bgdi-prefix\">£\u003C\u002Fspan>\n              \u003Cinput id=\"bgdi-marketing\" name=\"marketing_phone_website\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1\" value=\"60\" data-default=\"60\">\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-other\">Other monthly costs\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-prefix\">\n              \u003Cspan class=\"bgdi-prefix\">£\u003C\u002Fspan>\n              \u003Cinput id=\"bgdi-other\" name=\"other_costs\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"1\" value=\"30\" data-default=\"30\">\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n        \u003C\u002Fdiv>\n      \u003C\u002Ffieldset>\n\n      \u003Cfieldset>\n        \u003Clegend>Tax and targets\u003C\u002Flegend>\n        \u003Cdiv class=\"bgdi-grid-2\">\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-tax\">Estimated tax reserve\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-suffix bgdi-suffix-small\">\n              \u003Cinput id=\"bgdi-tax\" name=\"tax_reserve\" type=\"number\" inputmode=\"decimal\" min=\"0\" max=\"70\" step=\"1\" value=\"20\" data-default=\"20\">\n              \u003Cspan class=\"bgdi-suffix\">%\u003C\u002Fspan>\n            \u003C\u002Fdiv>\n            \u003Cp class=\"bgdi-help\">Simple reserve for tax\u002FNIC planning.\u003C\u002Fp>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-field\">\n            \u003Clabel for=\"bgdi-target\">Target monthly take-home\u003C\u002Flabel>\n            \u003Cdiv class=\"bgdi-input-wrap bgdi-has-prefix\">\n              \u003Cspan class=\"bgdi-prefix\">£\u003C\u002Fspan>\n              \u003Cinput id=\"bgdi-target\" name=\"target_monthly_take_home\" type=\"number\" inputmode=\"decimal\" min=\"0\" step=\"50\" value=\"3000\" data-default=\"3000\">\n            \u003C\u002Fdiv>\n          \u003C\u002Fdiv>\n        \u003C\u002Fdiv>\n      \u003C\u002Ffieldset>\n\n      \u003Cdiv class=\"bgdi-actions\">\n        \u003Cbutton type=\"submit\" class=\"bgdi-btn bgdi-btn-primary\">Calculate Profit\u003C\u002Fbutton>\n        \u003Cbutton type=\"button\" id=\"bgdi-reset\" class=\"bgdi-btn bgdi-btn-secondary\">Reset Example\u003C\u002Fbutton>\n      \u003C\u002Fdiv>\n    \u003C\u002Fform>\n  \u003C\u002Fdiv>\n\n  \u003Cdiv class=\"bgdi-results\" aria-live=\"polite\">\n    \u003Cdiv class=\"bgdi-card bgdi-result-hero\">\n      \u003Cdiv class=\"bgdi-card-head\">\n        \u003Ch2>Your estimated profit\u003C\u002Fh2>\n        \u003Cp>Based on your current lesson price, workload and costs.\u003C\u002Fp>\n      \u003C\u002Fdiv>\n\n      \u003Cdiv class=\"bgdi-kpi-grid\">\n        \u003Cdiv class=\"bgdi-kpi\">\n          \u003Cspan>Take-home profit per paid lesson\u003C\u002Fspan>\n          \u003Cstrong id=\"bgdi-profit-lesson\">£0\u003C\u002Fstrong>\n          \u003Csmall id=\"bgdi-margin-label\">0% estimated margin\u003C\u002Fsmall>\n        \u003C\u002Fdiv>\n\n        \u003Cdiv class=\"bgdi-kpi\">\n          \u003Cspan>Monthly take-home estimate\u003C\u002Fspan>\n          \u003Cstrong id=\"bgdi-monthly-profit\">£0\u003C\u002Fstrong>\n          \u003Csmall>After your tax reserve\u003C\u002Fsmall>\n        \u003C\u002Fdiv>\n\n        \u003Cdiv class=\"bgdi-kpi\">\n          \u003Cspan>Annual take-home estimate\u003C\u002Fspan>\n          \u003Cstrong id=\"bgdi-annual-profit\">£0\u003C\u002Fstrong>\n          \u003Csmall id=\"bgdi-paid-lessons-label\">0 paid lessons per year\u003C\u002Fsmall>\n        \u003C\u002Fdiv>\n      \u003C\u002Fdiv>\n    \u003C\u002Fdiv>\n\n    \u003Cdiv class=\"bgdi-summary-grid\">\n      \u003Cdiv class=\"bgdi-summary-card\">\n        \u003Cspan>Gross turnover \u002F year\u003C\u002Fspan>\n        \u003Cstrong id=\"bgdi-turnover-year\">£0\u003C\u002Fstrong>\n      \u003C\u002Fdiv>\n\n      \u003Cdiv class=\"bgdi-summary-card\">\n        \u003Cspan>Pre-tax profit \u002F year\u003C\u002Fspan>\n        \u003Cstrong id=\"bgdi-profit-year-pre-tax\">£0\u003C\u002Fstrong>\n      \u003C\u002Fdiv>\n\n      \u003Cdiv class=\"bgdi-summary-card\">\n        \u003Cspan>Effective hourly take-home\u003C\u002Fspan>\n        \u003Cstrong id=\"bgdi-effective-hourly\">£0\u003C\u002Fstrong>\n      \u003C\u002Fdiv>\n\n      \u003Cdiv class=\"bgdi-summary-card\">\n        \u003Cspan>Break-even hourly price\u003C\u002Fspan>\n        \u003Cstrong id=\"bgdi-breakeven-rate\">£0\u003C\u002Fstrong>\n      \u003C\u002Fdiv>\n    \u003C\u002Fdiv>\n\n    \u003Cdiv class=\"bgdi-split\">\n      \u003Cdiv class=\"bgdi-card bgdi-panel-pad\">\n        \u003Ch3>Per lesson breakdown\u003C\u002Fh3>\n        \u003Cul class=\"bgdi-line-list\">\n          \u003Cli>\u003Cspan>Lesson income\u003C\u002Fspan>\u003Cstrong id=\"bgdi-lesson-income\">£0\u003C\u002Fstrong>\u003C\u002Fli>\n          \u003Cli>\u003Cspan>Fuel cost\u003C\u002Fspan>\u003Cstrong id=\"bgdi-fuel-cost\">£0\u003C\u002Fstrong>\u003C\u002Fli>\n          \u003Cli>\u003Cspan>Payment fee\u003C\u002Fspan>\u003Cstrong id=\"bgdi-payment-cost\">£0\u003C\u002Fstrong>\u003C\u002Fli>\n          \u003Cli>\u003Cspan>Fixed costs allocated\u003C\u002Fspan>\u003Cstrong id=\"bgdi-fixed-cost\">£0\u003C\u002Fstrong>\u003C\u002Fli>\n          \u003Cli>\u003Cspan>Pre-tax profit\u003C\u002Fspan>\u003Cstrong id=\"bgdi-pre-tax-lesson\">£0\u003C\u002Fstrong>\u003C\u002Fli>\n          \u003Cli>\u003Cspan>Tax reserve\u003C\u002Fspan>\u003Cstrong id=\"bgdi-tax-lesson\">£0\u003C\u002Fstrong>\u003C\u002Fli>\n        \u003C\u002Ful>\n      \u003C\u002Fdiv>\n\n      \u003Cdiv class=\"bgdi-card bgdi-panel-pad\">\n        \u003Ch3>Cost split\u003C\u002Fh3>\n        \u003Cul class=\"bgdi-line-list\">\n          \u003Cli>\u003Cspan>Total monthly fixed costs\u003C\u002Fspan>\u003Cstrong id=\"bgdi-monthly-costs\">£0\u003C\u002Fstrong>\u003C\u002Fli>\n          \u003Cli>\u003Cspan>Estimated paid lessons \u002F week\u003C\u002Fspan>\u003Cstrong id=\"bgdi-paid-week\">0\u003C\u002Fstrong>\u003C\u002Fli>\n          \u003Cli>\u003Cspan>Teaching + admin hours \u002F week\u003C\u002Fspan>\u003Cstrong id=\"bgdi-total-hours\">0\u003C\u002Fstrong>\u003C\u002Fli>\n          \u003Cli>\u003Cspan>Required rate for target\u003C\u002Fspan>\u003Cstrong id=\"bgdi-target-rate\">£0\u003C\u002Fstrong>\u003C\u002Fli>\n        \u003C\u002Ful>\n\n        \u003Cdiv class=\"bgdi-meter\" aria-label=\"Revenue, costs and profit split\">\n          \u003Cdiv class=\"bgdi-meter-row\">\n            \u003Cspan>Revenue\u003C\u002Fspan>\n            \u003Cspan class=\"bgdi-meter-track\">\u003Cspan id=\"bgdi-revenue-bar\" class=\"bgdi-meter-fill bgdi-fill-navy\">\u003C\u002Fspan>\u003C\u002Fspan>\n            \u003Cstrong id=\"bgdi-revenue-pct\">100%\u003C\u002Fstrong>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-meter-row\">\n            \u003Cspan>Costs\u003C\u002Fspan>\n            \u003Cspan class=\"bgdi-meter-track\">\u003Cspan id=\"bgdi-cost-bar\" class=\"bgdi-meter-fill\">\u003C\u002Fspan>\u003C\u002Fspan>\n            \u003Cstrong id=\"bgdi-cost-pct\">0%\u003C\u002Fstrong>\n          \u003C\u002Fdiv>\n\n          \u003Cdiv class=\"bgdi-meter-row\">\n            \u003Cspan>Profit\u003C\u002Fspan>\n            \u003Cspan class=\"bgdi-meter-track\">\u003Cspan id=\"bgdi-profit-bar\" class=\"bgdi-meter-fill bgdi-fill-green\">\u003C\u002Fspan>\u003C\u002Fspan>\n            \u003Cstrong id=\"bgdi-profit-pct\">0%\u003C\u002Fstrong>\n          \u003C\u002Fdiv>\n        \u003C\u002Fdiv>\n      \u003C\u002Fdiv>\n    \u003C\u002Fdiv>\n\n    \u003Cdiv class=\"bgdi-insight\">\n      \u003Cdiv class=\"bgdi-insight-icon\">£\u003C\u002Fdiv>\n      \u003Cdiv>\n        \u003Ch3>Price increase impact\u003C\u002Fh3>\n        \u003Cp id=\"bgdi-price-impact\">Increasing your hourly lesson price by £2 could add £0 to your estimated annual take-home profit, based on the figures above.\u003C\u002Fp>\n      \u003C\u002Fdiv>\n    \u003C\u002Fdiv>\n\n    \u003Cp class=\"bgdi-disclaimer\">Estimate only. This calculator is not financial, tax or insurance advice. Use your own business records and speak to a qualified accountant for tax planning.\u003C\u002Fp>\n\n    \u003Cdiv class=\"bgdi-actions\">\n      \u003Cbutton type=\"button\" id=\"bgdi-print\" class=\"bgdi-btn bgdi-btn-dark\">Print \u002F Save Results\u003C\u002Fbutton>\n      \u003Ca class=\"bgdi-btn bgdi-btn-primary\" href=\"https:\u002F\u002Fbginsurance.co.uk\u002Fquote\u002F\">Compare Instructor Insurance\u003C\u002Fa>\n    \u003C\u002Fdiv>\n  \u003C\u002Fdiv>\n\u003C\u002Fdiv>\n\n\u003Cscript type=\"application\u002Fld+json\">\n{\n  \"@context\": \"https:\u002F\u002Fschema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"WebPage\",\n      \"@id\": \"https:\u002F\u002Fbginsurance.co.uk\u002Ftools\u002Fprofit-calculator\u002F#webpage\",\n      \"url\": \"https:\u002F\u002Fbginsurance.co.uk\u002Ftools\u002Fprofit-calculator\u002F\",\n      \"name\": \"Free Driving Instructor Profit Calculator | BG Insurance\",\n      \"description\": \"Use the free BG Insurance driving instructor profit calculator to estimate lesson income, fuel costs, insurance costs, business expenses and take-home profit.\",\n      \"isPartOf\": {\n        \"@id\": \"https:\u002F\u002Fbginsurance.co.uk\u002F#website\"\n      },\n      \"publisher\": {\n        \"@id\": \"https:\u002F\u002Fbginsurance.co.uk\u002F#organization\"\n      },\n      \"mainEntity\": {\n        \"@type\": \"Thing\",\n        \"name\": \"Driving Instructor Profit Calculator\",\n        \"description\": \"A free online calculator that helps driving instructors estimate profit per lesson, monthly take-home pay, annual income, fuel costs and running expenses.\"\n      },\n      \"about\": [\n        {\n          \"@type\": \"Thing\",\n          \"name\": \"Driving instructor profit\"\n        },\n        {\n          \"@type\": \"Thing\",\n          \"name\": \"Driving instructor insurance\"\n        },\n        {\n          \"@type\": \"Thing\",\n          \"name\": \"Lesson income calculator\"\n        }\n      ],\n      \"breadcrumb\": {\n        \"@id\": \"https:\u002F\u002Fbginsurance.co.uk\u002Ftools\u002Fprofit-calculator\u002F#breadcrumb\"\n      }\n    },\n    {\n      \"@type\": \"WebSite\",\n      \"@id\": \"https:\u002F\u002Fbginsurance.co.uk\u002F#website\",\n      \"name\": \"BG Insurance\",\n      \"url\": \"https:\u002F\u002Fbginsurance.co.uk\u002F\"\n    },\n    {\n      \"@type\": \"Organization\",\n      \"@id\": \"https:\u002F\u002Fbginsurance.co.uk\u002F#organization\",\n      \"name\": \"BG Insurance\",\n      \"url\": \"https:\u002F\u002Fbginsurance.co.uk\u002F\"\n    },\n    {\n      \"@type\": \"BreadcrumbList\",\n      \"@id\": \"https:\u002F\u002Fbginsurance.co.uk\u002Ftools\u002Fprofit-calculator\u002F#breadcrumb\",\n      \"itemListElement\": [\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 1,\n          \"name\": \"Home\",\n          \"item\": \"https:\u002F\u002Fbginsurance.co.uk\u002F\"\n        },\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 2,\n          \"name\": \"Tools\",\n          \"item\": \"https:\u002F\u002Fbginsurance.co.uk\u002Ftools\u002F\"\n        },\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 3,\n          \"name\": \"Driving Instructor Profit Calculator\",\n          \"item\": \"https:\u002F\u002Fbginsurance.co.uk\u002Ftools\u002Fprofit-calculator\u002F\"\n        }\n      ]\n    }\n  ]\n}\n\u003C\u002Fscript>\n\n\u003Cscript>\n(function () {\n  'use strict';\n\n  var root = document.getElementById('bgdi-profit-calculator');\n  if (!root) return;\n\n  var inputIds = [\n    'bgdi-rate',\n    'bgdi-duration',\n    'bgdi-lessons',\n    'bgdi-weeks',\n    'bgdi-cancel',\n    'bgdi-card-fee',\n    'bgdi-miles',\n    'bgdi-mpg',\n    'bgdi-fuel',\n    'bgdi-admin',\n    'bgdi-insurance',\n    'bgdi-vehicle',\n    'bgdi-maintenance',\n    'bgdi-franchise',\n    'bgdi-marketing',\n    'bgdi-other',\n    'bgdi-tax',\n    'bgdi-target'\n  ];\n\n  function getEl(id) {\n    return document.getElementById(id);\n  }\n\n  function numberValue(id) {\n    var el = getEl(id);\n    var number = el ? parseFloat(el.value) : 0;\n    return Number.isFinite(number) ? Math.max(number, 0) : 0;\n  }\n\n  function clamp(value, min, max) {\n    return Math.min(Math.max(value, min), max);\n  }\n\n  function pounds(value, decimals) {\n    var safe = Number.isFinite(value) ? value : 0;\n    var places = decimals === 0 ? 0 : 2;\n\n    return new Intl.NumberFormat('en-GB', {\n      style: 'currency',\n      currency: 'GBP',\n      minimumFractionDigits: places,\n      maximumFractionDigits: places\n    }).format(safe);\n  }\n\n  function plainNumber(value, decimals) {\n    var places = decimals || 0;\n    var safe = Number.isFinite(value) ? value : 0;\n\n    return new Intl.NumberFormat('en-GB', {\n      minimumFractionDigits: places,\n      maximumFractionDigits: places\n    }).format(safe);\n  }\n\n  function setText(id, value) {\n    var el = getEl(id);\n    if (el) el.textContent = value;\n  }\n\n  function setBar(id, percent) {\n    var el = getEl(id);\n    if (el) el.style.width = clamp(percent, 0, 100) + '%';\n  }\n\n  function calculateForHourlyRate(hourlyRate) {\n    var durationHours = Math.max(numberValue('bgdi-duration') \u002F 60, 0.01);\n    var bookedLessonsWeek = numberValue('bgdi-lessons');\n    var weeksYear = clamp(numberValue('bgdi-weeks'), 1, 52);\n    var unpaidGapPct = clamp(numberValue('bgdi-cancel'), 0, 100) \u002F 100;\n    var cardFeePct = clamp(numberValue('bgdi-card-fee'), 0, 70) \u002F 100;\n    var milesPerLesson = numberValue('bgdi-miles');\n    var mpg = Math.max(numberValue('bgdi-mpg'), 1);\n    var fuelPrice = numberValue('bgdi-fuel');\n    var adminHoursWeek = numberValue('bgdi-admin');\n    var taxPct = clamp(numberValue('bgdi-tax'), 0, 90) \u002F 100;\n\n    var monthlyFixedCosts =\n      numberValue('bgdi-insurance') +\n      numberValue('bgdi-vehicle') +\n      numberValue('bgdi-maintenance') +\n      numberValue('bgdi-franchise') +\n      numberValue('bgdi-marketing') +\n      numberValue('bgdi-other');\n\n    var annualFixedCosts = monthlyFixedCosts * 12;\n    var paidLessonsWeek = bookedLessonsWeek * (1 - unpaidGapPct);\n    var paidLessonsYear = paidLessonsWeek * weeksYear;\n    var safePaidLessonsYear = Math.max(paidLessonsYear, 1);\n\n    var lessonIncome = hourlyRate * durationHours;\n    var litresPerLesson = (milesPerLesson \u002F mpg) * 4.54609;\n    var fuelCostLesson = litresPerLesson * fuelPrice;\n    var paymentFeeLesson = lessonIncome * cardFeePct;\n    var fixedCostLesson = annualFixedCosts \u002F safePaidLessonsYear;\n    var totalCostLesson = fuelCostLesson + paymentFeeLesson + fixedCostLesson;\n    var preTaxProfitLesson = lessonIncome - totalCostLesson;\n    var taxLesson = Math.max(preTaxProfitLesson, 0) * taxPct;\n    var takeHomeLesson = preTaxProfitLesson - taxLesson;\n\n    var turnoverYear = lessonIncome * paidLessonsYear;\n    var fuelCostYear = fuelCostLesson * paidLessonsYear;\n    var paymentFeeYear = paymentFeeLesson * paidLessonsYear;\n    var preTaxProfitYear = turnoverYear - fuelCostYear - paymentFeeYear - annualFixedCosts;\n    var taxYear = Math.max(preTaxProfitYear, 0) * taxPct;\n    var takeHomeYear = preTaxProfitYear - taxYear;\n\n    var teachingHoursWeek = bookedLessonsWeek * durationHours;\n    var totalHoursYear = (teachingHoursWeek + adminHoursWeek) * weeksYear;\n    var effectiveHourly = totalHoursYear > 0 ? takeHomeYear \u002F totalHoursYear : 0;\n    var profitMargin = turnoverYear > 0 ? (preTaxProfitYear \u002F turnoverYear) * 100 : 0;\n\n    return {\n      hourlyRate: hourlyRate,\n      durationHours: durationHours,\n      bookedLessonsWeek: bookedLessonsWeek,\n      weeksYear: weeksYear,\n      paidLessonsWeek: paidLessonsWeek,\n      paidLessonsYear: paidLessonsYear,\n      lessonIncome: lessonIncome,\n      fuelCostLesson: fuelCostLesson,\n      paymentFeeLesson: paymentFeeLesson,\n      fixedCostLesson: fixedCostLesson,\n      totalCostLesson: totalCostLesson,\n      preTaxProfitLesson: preTaxProfitLesson,\n      taxLesson: taxLesson,\n      takeHomeLesson: takeHomeLesson,\n      turnoverYear: turnoverYear,\n      preTaxProfitYear: preTaxProfitYear,\n      takeHomeYear: takeHomeYear,\n      takeHomeMonth: takeHomeYear \u002F 12,\n      monthlyFixedCosts: monthlyFixedCosts,\n      teachingHoursWeek: teachingHoursWeek,\n      adminHoursWeek: adminHoursWeek,\n      totalHoursWeek: teachingHoursWeek + adminHoursWeek,\n      effectiveHourly: effectiveHourly,\n      profitMargin: profitMargin,\n      cardFeePct: cardFeePct,\n      annualFixedCosts: annualFixedCosts\n    };\n  }\n\n  function calculate() {\n    var rate = numberValue('bgdi-rate');\n    var data = calculateForHourlyRate(rate);\n\n    var durationHours = Math.max(numberValue('bgdi-duration') \u002F 60, 0.01);\n    var targetMonthly = numberValue('bgdi-target');\n    var taxPct = clamp(numberValue('bgdi-tax'), 0, 90) \u002F 100;\n    var paidLessonsYear = Math.max(data.paidLessonsYear, 1);\n    var cardFeePct = data.cardFeePct;\n    var fuelCostYearAtCurrentMiles = data.fuelCostLesson * paidLessonsYear;\n\n    var requiredPreTaxForTarget = taxPct >= .9\n      ? targetMonthly * 12\n      : (targetMonthly * 12) \u002F Math.max(1 - taxPct, .01);\n\n    var requiredLessonIncome =\n      (requiredPreTaxForTarget + data.annualFixedCosts + fuelCostYearAtCurrentMiles) \u002F\n      Math.max(paidLessonsYear * Math.max(1 - cardFeePct, .01), 1);\n\n    var requiredHourlyRate = requiredLessonIncome \u002F durationHours;\n    var breakEvenLessonIncome = (data.fuelCostLesson + data.fixedCostLesson) \u002F Math.max(1 - cardFeePct, .01);\n    var breakEvenHourlyRate = breakEvenLessonIncome \u002F durationHours;\n\n    var twoPoundIncrease = calculateForHourlyRate(rate + 2);\n    var extraAnnualTakeHome = twoPoundIncrease.takeHomeYear - data.takeHomeYear;\n\n    var costPercent = data.lessonIncome > 0 ? (data.totalCostLesson \u002F data.lessonIncome) * 100 : 0;\n    var profitPercent = data.lessonIncome > 0 ? (data.preTaxProfitLesson \u002F data.lessonIncome) * 100 : 0;\n\n    setText('bgdi-profit-lesson', pounds(data.takeHomeLesson, 2));\n    setText('bgdi-margin-label', plainNumber(data.profitMargin, 1) + '% estimated pre-tax margin');\n    setText('bgdi-monthly-profit', pounds(data.takeHomeMonth, 0));\n    setText('bgdi-annual-profit', pounds(data.takeHomeYear, 0));\n    setText('bgdi-paid-lessons-label', plainNumber(data.paidLessonsYear, 0) + ' paid lessons per year');\n\n    setText('bgdi-turnover-year', pounds(data.turnoverYear, 0));\n    setText('bgdi-profit-year-pre-tax', pounds(data.preTaxProfitYear, 0));\n    setText('bgdi-effective-hourly', pounds(data.effectiveHourly, 2));\n    setText('bgdi-breakeven-rate', pounds(breakEvenHourlyRate, 2));\n\n    setText('bgdi-lesson-income', pounds(data.lessonIncome, 2));\n    setText('bgdi-fuel-cost', pounds(data.fuelCostLesson, 2));\n    setText('bgdi-payment-cost', pounds(data.paymentFeeLesson, 2));\n    setText('bgdi-fixed-cost', pounds(data.fixedCostLesson, 2));\n    setText('bgdi-pre-tax-lesson', pounds(data.preTaxProfitLesson, 2));\n    setText('bgdi-tax-lesson', pounds(data.taxLesson, 2));\n\n    setText('bgdi-monthly-costs', pounds(data.monthlyFixedCosts, 0));\n    setText('bgdi-paid-week', plainNumber(data.paidLessonsWeek, 1));\n    setText('bgdi-total-hours', plainNumber(data.totalHoursWeek, 1));\n    setText('bgdi-target-rate', pounds(requiredHourlyRate, 2));\n\n    setText(\n      'bgdi-price-impact',\n      'Increasing your hourly lesson price by £2 could add ' +\n      pounds(extraAnnualTakeHome, 0) +\n      ' to your estimated annual take-home profit, based on the figures above.'\n    );\n\n    setBar('bgdi-revenue-bar', 100);\n    setBar('bgdi-cost-bar', costPercent);\n    setBar('bgdi-profit-bar', profitPercent);\n\n    setText('bgdi-revenue-pct', '100%');\n    setText('bgdi-cost-pct', plainNumber(costPercent, 0) + '%');\n    setText('bgdi-profit-pct', plainNumber(profitPercent, 0) + '%');\n  }\n\n  inputIds.forEach(function (id) {\n    var el = getEl(id);\n    if (!el) return;\n\n    el.addEventListener('input', calculate);\n    el.addEventListener('change', calculate);\n  });\n\n  var form = getEl('bgdi-form');\n  if (form) {\n    form.addEventListener('submit', function (event) {\n      event.preventDefault();\n      calculate();\n    });\n  }\n\n  var reset = getEl('bgdi-reset');\n  if (reset) {\n    reset.addEventListener('click', function () {\n      inputIds.forEach(function (id) {\n        var el = getEl(id);\n        if (el && el.dataset.default !== undefined) {\n          el.value = el.dataset.default;\n        }\n      });\n\n      calculate();\n    });\n  }\n\n  var printButton = getEl('bgdi-print');\n  if (printButton) {\n    printButton.addEventListener('click', function () {\n      window.print();\n    });\n  }\n\n  calculate();\n})();\n\u003C\u002Fscript>\n\u003C\u002Fsection>","\u003C!--#storyblok#{\"name\": \"html_embed\", \"space\": \"292456344717399\", \"uid\": \"6a64aec2-6fcf-4da6-bcd0-d9275d0fdb37\", \"id\": \"188409901028523\"}-->","grid","\u003C!--#storyblok#{\"name\": \"grid\", \"space\": \"292456344717399\", \"uid\": \"d645fd5d-0cb1-4850-bb42-99a1ae42c8cf\", \"id\": \"188409901028523\"}-->","Calculator","10","section","\u003C!--#storyblok#{\"name\": \"section\", \"space\": \"292456344717399\", \"uid\": \"3d5501bc-df6f-4e08-b505-f193b63501bc\", \"id\": \"188409901028523\"}-->",{"_uid":874,"body":875,"name":976,"mar_b":20,"mar_l":20,"mar_r":20,"mar_t":20,"pad_b":977,"pad_r":20,"pad_t":977,"bg_color":196,"component":871,"font_weight":20,"container_size":20,"_editable":978},"d8d0f561-c7bc-4014-9776-d91a2c362f09",[876],{"gap":859,"_uid":877,"body":878,"mar_b":20,"mar_l":20,"mar_r":20,"mar_t":20,"pad_t":20,"split":20,"columns":853,"bg_color":20,"component":867,"font_weight":20,"container_size":20,"_editable":975},"b82261b7-5276-4dc3-8f4e-3c0f7eb2ebae",[879],{"_uid":880,"body":881,"mar_b":20,"mar_t":20,"pad_t":20,"component":973,"font_weight":20,"container_size":20,"_editable":974},"7f79ea6b-2139-4dbf-bd64-9bce11b4e27f",[882,890,908,913,926,931],{"_uid":883,"text":884,"align":851,"level":885,"mar_b":20,"mar_l":20,"mar_r":20,"mar_t":20,"pad_l":20,"pad_r":20,"pad_t":20,"component":886,"accent_text":887,"font_weight":20,"hide_mobile":24,"accent_color":40,"container_size":20,"font_size_mobile_px":888,"font_size_desktop_px":20,"_editable":889},"953a9c44-9300-47f0-92c6-51a1d3d9f3e3","How this driving instructor profit calculator ","2","heading","works","30","\u003C!--#storyblok#{\"name\": \"heading\", \"space\": \"292456344717399\", \"uid\": \"953a9c44-9300-47f0-92c6-51a1d3d9f3e3\", \"id\": \"188409901028523\"}-->",{"_uid":891,"mar_b":20,"mar_t":892,"pad_t":20,"content":893,"component":905,"font_weight":20,"font_size_px":906,"container_size":20,"_editable":907},"693d2677-44a5-41d9-b18a-376a63bed2b2","5",{"type":837,"content":894},[895],{"type":840,"attrs":896,"content":897},{"textAlign":851},[898],{"text":899,"type":845,"marks":900},"This calculator helps driving instructors estimate their real earnings by combining lesson income with common business costs such as fuel, driving instructor insurance, vehicle finance or lease payments, servicing, tyres, payment fees, franchise costs, marketing and unpaid admin time.",[901],{"type":902,"attrs":903},"textStyle",{"color":904},"#465163","rich_text","19","\u003C!--#storyblok#{\"name\": \"rich_text\", \"space\": \"292456344717399\", \"uid\": \"693d2677-44a5-41d9-b18a-376a63bed2b2\", \"id\": \"188409901028523\"}-->",{"_uid":909,"text":910,"align":851,"level":885,"mar_b":20,"mar_l":20,"mar_r":20,"mar_t":20,"pad_l":20,"pad_r":20,"pad_t":870,"component":886,"accent_text":911,"font_weight":20,"hide_mobile":24,"accent_color":40,"container_size":20,"font_size_mobile_px":888,"font_size_desktop_px":20,"_editable":912},"bfcf9faa-eddd-4422-ae45-2315ee029ac2","Why profit per lesson","matters","\u003C!--#storyblok#{\"name\": \"heading\", \"space\": \"292456344717399\", \"uid\": \"bfcf9faa-eddd-4422-ae45-2315ee029ac2\", \"id\": \"188409901028523\"}-->",{"_uid":914,"mar_t":892,"pad_b":20,"pad_t":20,"content":915,"component":905,"font_weight":20,"font_size_px":906,"container_size":20,"_editable":925},"1abff466-a313-4e72-9e67-642fdeef44c5",{"type":837,"content":916},[917],{"type":840,"attrs":918,"content":919},{"textAlign":787},[920],{"text":921,"type":845,"marks":922},"Your hourly lesson price is only the starting point. Once you factor in mileage, fuel, insurance, maintenance, diary gaps and tax reserves, your take-home profit can be very different from your headline lesson rate. This tool is designed to give instructors a clearer view of their real margin.",[923],{"type":902,"attrs":924},{"color":904},"\u003C!--#storyblok#{\"name\": \"rich_text\", \"space\": \"292456344717399\", \"uid\": \"1abff466-a313-4e72-9e67-642fdeef44c5\", \"id\": \"188409901028523\"}-->",{"_uid":927,"text":928,"align":851,"level":885,"mar_b":20,"mar_l":20,"mar_r":20,"mar_t":20,"pad_l":20,"pad_r":20,"pad_t":870,"component":886,"accent_text":929,"font_weight":20,"hide_mobile":198,"accent_color":40,"container_size":20,"font_size_mobile_px":20,"font_size_desktop_px":20,"_editable":930},"030cf0c2-c474-4c8e-8fe3-941b0b9b8213","What to include in your instructor","costs","\u003C!--#storyblok#{\"name\": \"heading\", \"space\": \"292456344717399\", \"uid\": \"030cf0c2-c474-4c8e-8fe3-941b0b9b8213\", \"id\": \"188409901028523\"}-->",{"gap":892,"_uid":932,"items":933,"mar_b":20,"mar_l":20,"mar_r":20,"mar_t":20,"pad_b":20,"pad_l":20,"pad_r":20,"pad_t":970,"bg_color":20,"component":971,"icon_size":20,"text_color":20,"font_weight":20,"hide_mobile":24,"bullet_color":20,"bullet_style":20,"font_size_px":20,"heading_size":20,"hide_desktop":24,"container_size":20,"_editable":972},"35077f05-f16d-48d7-a946-fa604d657eff",[934,942,949,956,963],{"_uid":935,"body":936,"heading":939,"component":940,"body_color":20,"heading_color":20,"_editable":941},"e81793ab-5578-44dc-8967-4f0d8ae17860",{"type":837,"content":937},[938],{"type":840},"Driving instructor insurance, public liability and other policy-related costs.","bullet_item","\u003C!--#storyblok#{\"name\": \"bullet_item\", \"space\": \"292456344717399\", \"uid\": \"e81793ab-5578-44dc-8967-4f0d8ae17860\", \"id\": \"188409901028523\"}-->",{"_uid":943,"body":944,"heading":947,"component":940,"body_color":20,"heading_color":20,"_editable":948},"ddbf4143-8915-479d-bfc7-7108bf28019a",{"type":837,"content":945},[946],{"type":840},"Vehicle finance, leasing, depreciation, servicing, MOT, tyres and repairs.","\u003C!--#storyblok#{\"name\": \"bullet_item\", \"space\": \"292456344717399\", \"uid\": \"ddbf4143-8915-479d-bfc7-7108bf28019a\", \"id\": \"188409901028523\"}-->",{"_uid":950,"body":951,"heading":954,"component":940,"body_color":20,"heading_color":20,"_editable":955},"6bcb84e9-def7-4202-aa7b-c6d094df2b54",{"type":837,"content":952},[953],{"type":840},"Fuel costs based on average miles per lesson, MPG and pump price.","\u003C!--#storyblok#{\"name\": \"bullet_item\", \"space\": \"292456344717399\", \"uid\": \"6bcb84e9-def7-4202-aa7b-c6d094df2b54\", \"id\": \"188409901028523\"}-->",{"_uid":957,"body":958,"heading":961,"component":940,"body_color":20,"heading_color":20,"_editable":962},"8a497ac5-933e-4ae5-9f9a-3aba1b389acf",{"type":837,"content":959},[960],{"type":840},"Franchise fees, pupil apps, diary software, card processing fees and marketing.","\u003C!--#storyblok#{\"name\": \"bullet_item\", \"space\": \"292456344717399\", \"uid\": \"8a497ac5-933e-4ae5-9f9a-3aba1b389acf\", \"id\": \"188409901028523\"}-->",{"_uid":964,"body":965,"heading":968,"component":940,"body_color":20,"heading_color":20,"_editable":969},"676bbfe7-9459-4e91-be4b-f65c976b70d4",{"type":837,"content":966},[967],{"type":840},"Unpaid admin time, cancellations, diary gaps and annual leave.","\u003C!--#storyblok#{\"name\": \"bullet_item\", \"space\": \"292456344717399\", \"uid\": \"676bbfe7-9459-4e91-be4b-f65c976b70d4\", \"id\": \"188409901028523\"}-->","7","bullet_list","\u003C!--#storyblok#{\"name\": \"bullet_list\", \"space\": \"292456344717399\", \"uid\": \"35077f05-f16d-48d7-a946-fa604d657eff\", \"id\": \"188409901028523\"}-->","container","\u003C!--#storyblok#{\"name\": \"container\", \"space\": \"292456344717399\", \"uid\": \"7f79ea6b-2139-4dbf-bd64-9bce11b4e27f\", \"id\": \"188409901028523\"}-->","\u003C!--#storyblok#{\"name\": \"grid\", \"space\": \"292456344717399\", \"uid\": \"b82261b7-5276-4dc3-8f4e-3c0f7eb2ebae\", \"id\": \"188409901028523\"}-->","Specialist Cover","20","\u003C!--#storyblok#{\"name\": \"section\", \"space\": \"292456344717399\", \"uid\": \"d8d0f561-c7bc-4014-9776-d91a2c362f09\", \"id\": \"188409901028523\"}-->",{"_uid":980,"body":981,"name":1016,"pad_b":859,"pad_t":859,"bg_color":196,"component":871,"font_weight":20,"container_size":20,"_editable":1017},"58c4b73d-444b-4cef-abc5-f0fcdf3d25a8",[982],{"_uid":983,"body":984,"image":985,"mar_r":20,"pad_b":20,"pad_t":20,"title":990,"buttons":991,"rounded":1006,"component":1007,"max_width":1008,"body_color":196,"font_weight":20,"title_color":196,"content_align":851,"min_height_px":1009,"container_size":20,"image_position":1010,"image_alignment":1011,"bg_image_opacity":1012,"callout_bg_color":40,"callout_bg_image":1013,"_editable":1015},"0450bbe8-cfea-4685-9ec9-7ea176da3224","Join over 9,000 driving professionals who trust BG Insurance to protect their livelihood.",{"id":986,"alt":987,"name":20,"focus":20,"title":20,"source":20,"filename":988,"copyright":20,"fieldtype":22,"meta_data":989,"is_external_url":24},183450811527419,"Blue Volkswagen driving school car with BG Insurance branding and L plates on roof, bonnet and doors.","https:\u002F\u002Fa.storyblok.com\u002Ff\u002F292456344717399\u002F701x391\u002F7007c4d817\u002Fdriving-instructor-cta-car.png",{"alt":987,"title":20,"source":20,"copyright":20},"Ready to save on your instructor insurance?",[992,1000],{"_uid":993,"href":197,"icon":994,"size":995,"align":20,"label":996,"mar_b":20,"mar_l":20,"mar_r":20,"pad_b":20,"pad_l":20,"pad_r":20,"variant":997,"component":998,"text_color":40,"font_weight":20,"icon_position":20,"container_size":20,"_editable":999},"1f1d9310-6618-4b1e-861a-a639671d3459","arrow-right","md","Get your quote","outline","button","\u003C!--#storyblok#{\"name\": \"button\", \"space\": \"292456344717399\", \"uid\": \"1f1d9310-6618-4b1e-861a-a639671d3459\", \"id\": \"188409901028523\"}-->",{"_uid":1001,"href":1002,"icon":165,"size":995,"align":20,"label":1003,"mar_b":20,"mar_l":820,"mar_r":20,"pad_l":20,"variant":1004,"component":998,"font_weight":20,"icon_position":851,"container_size":20,"_editable":1005},"ee89c677-7b46-4823-b455-9340d2734a05","tel:01892501852","Call 01892 501 852","white-outline","\u003C!--#storyblok#{\"name\": \"button\", \"space\": \"292456344717399\", \"uid\": \"ee89c677-7b46-4823-b455-9340d2734a05\", \"id\": \"188409901028523\"}-->","2xl","callout","lg","320","right","middle","100",{"id":787,"alt":787,"name":20,"focus":787,"title":787,"filename":787,"copyright":787,"fieldtype":22,"meta_data":1014,"is_external_url":24},{},"\u003C!--#storyblok#{\"name\": \"callout\", \"space\": \"292456344717399\", \"uid\": \"0450bbe8-cfea-4685-9ec9-7ea176da3224\", \"id\": \"188409901028523\"}-->","Save Callout","\u003C!--#storyblok#{\"name\": \"section\", \"space\": \"292456344717399\", \"uid\": \"58c4b73d-444b-4cef-abc5-f0fcdf3d25a8\", \"id\": \"188409901028523\"}-->",{"_uid":1019,"body":1020,"name":1056,"pad_b":977,"pad_t":977,"bg_color":196,"component":871,"font_weight":20,"container_size":995,"_editable":1057},"2383dd16-4e90-4824-8797-f6205eab4f04",[1021],{"_uid":1022,"items":1023,"pad_l":20,"pad_r":20,"pad_t":20,"title":1050,"subtitle":20,"component":1051,"first_open":198,"accent_text":177,"font_weight":20,"title_align":1052,"title_color":237,"title_level":885,"accent_color":852,"answer_color":1053,"container_size":20,"subtitle_color":1054,"active_bg_color":203,"active_text_color":196,"inactive_bg_color":196,"inactive_text_color":237,"_editable":1055},"929ede42-b6b5-416b-937d-8b0c23830ae8",[1024,1030,1035,1040,1045],{"_uid":1025,"answer":1026,"question":1027,"component":1028,"_editable":1029},"6568622f-ba10-4c9d-a506-0607f8928a8d","Add up your lesson income, then deduct the costs attached to that lesson, including fuel, payment fees and a share of your monthly fixed costs such as insurance, vehicle finance, servicing and marketing.","How do I calculate profit per driving lesson?","faq_item","\u003C!--#storyblok#{\"name\": \"faq_item\", \"space\": \"292456344717399\", \"uid\": \"6568622f-ba10-4c9d-a506-0607f8928a8d\", \"id\": \"188409901028523\"}-->",{"_uid":1031,"answer":1032,"question":1033,"component":1028,"_editable":1034},"633f56d1-b6d2-42e1-8c16-98962ffdde0f","Yes. Driving instructor insurance is a business cost, so it should be included when working out the minimum lesson price needed to protect your profit margin.","Should I include insurance in my lesson price?","\u003C!--#storyblok#{\"name\": \"faq_item\", \"space\": \"292456344717399\", \"uid\": \"633f56d1-b6d2-42e1-8c16-98962ffdde0f\", \"id\": \"188409901028523\"}-->",{"_uid":1036,"answer":1037,"question":1038,"component":1028,"_editable":1039},"d90278fc-3f60-49a9-a66f-3878a32cfeb6","Your break-even rate is the hourly price you need to charge to cover your estimated running costs before profit. Charging above this figure creates a profit margin; charging below it may mean lessons are costing more than they earn.","What is a break-even hourly lesson rate?","\u003C!--#storyblok#{\"name\": \"faq_item\", \"space\": \"292456344717399\", \"uid\": \"d90278fc-3f60-49a9-a66f-3878a32cfeb6\", \"id\": \"188409901028523\"}-->",{"_uid":1041,"answer":1042,"question":1043,"component":1028,"_editable":1044},"0eb2fce6-6d6a-4d43-bb42-0508a0f945a8","Higher mileage increases fuel use and can also contribute to wear and tear. Instructors who cover longer journeys, test routes or rural areas may need to account for this when setting lesson prices.","Why does mileage affect instructor earnings?","\u003C!--#storyblok#{\"name\": \"faq_item\", \"space\": \"292456344717399\", \"uid\": \"0eb2fce6-6d6a-4d43-bb42-0508a0f945a8\", \"id\": \"188409901028523\"}-->",{"_uid":1046,"answer":1047,"question":1048,"component":1028,"_editable":1049},"79cd03bd-9d7f-4c65-80a2-afe693697dea","Yes. The price increase impact estimate shows how a small hourly rate increase could affect annual take-home profit, based on your current number of paid lessons and expenses.","Can this calculator help me decide whether to raise my lesson prices?","\u003C!--#storyblok#{\"name\": \"faq_item\", \"space\": \"292456344717399\", \"uid\": \"79cd03bd-9d7f-4c65-80a2-afe693697dea\", \"id\": \"188409901028523\"}-->","Driving Instructor Profit Calculator","faq","center","rgba(36,32,33,0.70)","rgba(36,32,33,0.65)","\u003C!--#storyblok#{\"name\": \"faq\", \"space\": \"292456344717399\", \"uid\": \"929ede42-b6b5-416b-937d-8b0c23830ae8\", \"id\": \"188409901028523\"}-->","Common Questions","\u003C!--#storyblok#{\"name\": \"section\", \"space\": \"292456344717399\", \"uid\": \"2383dd16-4e90-4824-8797-f6205eab4f04\", \"id\": \"188409901028523\"}-->",{"id":1059,"alt":1060,"name":20,"focus":20,"title":20,"source":20,"filename":1061,"copyright":20,"fieldtype":22,"meta_data":1062,"is_external_url":24},183526497821476,"Close-up of a car’s learner driver L-plate, with an instructor and student discussing paperwork in the blurred background.","https:\u002F\u002Fa.storyblok.com\u002Ff\u002F292456344717399\u002F1200x630\u002F0f37393582\u002Fdriving-instructor-car-insurance-for-learner-lessons.png",{"alt":1060,"title":20,"source":20,"copyright":20},"page","Free Driving Instructor Profit Calculator | BG Insurance",[],"Use our free driving instructor profit calculator to estimate your earnings per lesson, monthly take-home pay, fuel costs, insurance costs and true instructor profit.","\u003C!--#storyblok#{\"name\": \"page\", \"space\": \"292456344717399\", \"uid\": \"64ec0c14-832b-4720-8c1a-6170b8cc12c1\", \"id\": \"188409901028523\"}-->","profit-calculator","tools\u002Fprofit-calculator",-30,[],188409637995672,"af283e4b-6abd-41d8-b877-23f7e647ed2d","2026-06-17T10:12:10.083Z",[]]