Free tool · Claude Cowork for small businesses
What would Claude Cowork cost, and what would it hand back?
For a two-person office on Claude Team, seats cost $50 a month (current Anthropic pricing), and the Claude for Small Business plugin adds nothing to that. With the example estimates below, drafts and owner briefings could give back about 5h 51m of office time and 52m of owner time a week, worth $1,069 a month, and help bring in about $381 a month from quotes and overdue invoices. Every estimate is labeled and editable.
The formula
Time value plus money brought in, minus what it costs
task hours per week = Σ times × max(0, minutes by hand − review minutes) ÷ 60
quote hours per week = max(0, quotes × (minutes today − minutes with draft) − extra quotes × minutes with draft) ÷ 60
staff time / month = (task hours + quote hours) × 52 ÷ 12 × wage × (1 + burden)
owner time / month = Σ briefings switched on: runs a month × max(0, owner minutes today − minutes to read) ÷ 60 × owner rate
(runs a month: daily 5 × 52 ÷ 12 ≈ 21.7, weekly 52 ÷ 12 ≈ 4.33, monthly 1)
follow-up profit = open quotes × extra close points × quote value × margin
extra quote profit = extra quotes per week × 52 ÷ 12 × close rate × quote value × margin
margin lift = quotes per week × 52 ÷ 12 × close rate × quote value × margin points
write-offs recovered = overdue invoices × amount overdue × share recovered
cost of capital = overdue invoices × amount overdue × days sooner ÷ 365 × annual rate
money / month = the five lines above added together
net / month = staff time + owner time + money (+ better-decisions upside, only if switched on)
− Claude seats − Workahead monthly − other tools
payback = setup fee ÷ net per month
first-year net = net per month × 12 − setup feeOwner time is valued at the owner rate, never the staff wage, and the better-decisions upside stays out of the net unless you switch it on. Three more rules keep it from flattering itself. Quote money counts only gross profit, never revenue. Invoices paid sooner aren’t new money, so only recovered write-offs count, plus interest saved if you enter a rate. Follow-up gains apply to quotes already sent, extra quotes are priced separately, and the estimator time those extra quotes take is subtracted from the time saved.
Claude seats use Anthropic’s published US list prices: Pro at $20 a month ($17 billed annually) for one person, Max from $100 for one heavy user, and Team at $25 per Standard seat ($20 annually) or $125 per Premium seat ($100 annually), with a two-seat minimum. See the Team plan help article and Claude pricing.
Worked example
A two-person trades office
- This is the Small crew preset. The office handles 15 lead replies, 8 quote follow-ups, 10 review requests, 6 invoice reminders and 10 scheduling replies a week, plus a weekly numbers report. With 2 minutes of review per draft, that frees 3h 46m a week.
- The estimator builds 5 quotes a week. A Cowork draft from the site notes cuts each one from 45 to 20 minutes, review included, which frees another 2h 5m. No extra quotes are assumed.
- That is 25.3 hours a month. At $23.23 an hour plus 43% for taxes and benefits ($33.22), the staff time is worth $842.
- The owner gets a weekly and a monthly briefing. Pulling those numbers by hand takes 45 minutes a week and 90 minutes a month, and reading the briefings takes 10 and 15. That gives back 3.8 owner hours a month, worth $227 at $60 an hour. The better-decisions upside is left off.
- Following up on all 12 open quotes adds 3 points to the close rate: 0.36 more jobs a month at $1,500 and a 40% margin, or $216. Half a point of margin on the quoted work the shop already wins adds $57.
- Reminders recover 3% of the $3,600 that goes overdue each month, $108. The rest still gets paid, about 4 days sooner, which the calculator shows but doesn’t count.
- Two Claude Team seats cost $50 a month, the Claude for Small Business plugin is free, and the Trades Office Manager plan at its low-end price is $1,500 to set up and $399 a month.
- Net: $1,001 a month, setup paid back in 2 months, and $10,508 in the first year. On staff time alone it would be $93 a month, so the money estimates carry real weight here. Check them against your own numbers.
Starting values
Prices and figures, with sources
| Input | Default | Basis |
|---|---|---|
| Claude Team Standard seat | $25 / $20 | SourceAnthropic (Claude Help Center) Per member per month, billed monthly or annually. Two-seat minimum, up to 150. |
| Claude Team Premium seat | $125 / $100 | SourceAnthropic (Claude Help Center) About 6.25 times Pro’s per-session usage, against 1.25 times for Standard. |
| Claude Pro (one person) | $20 / $17 | SourceAnthropic Monthly, or per month on an annual plan ($200 up front). Max starts at $100 a month. |
| Claude for Small Business plugin | Free | SourceAnthropic “Available on every paid Claude plan.” Runs inside Claude Cowork on the desktop app. No separate charge. |
| Hourly wage | $23.23 | SourceU.S. Bureau of Labor Statistics US median for secretaries and administrative assistants, May 2025. Receptionists: $18.27. |
| Taxes and benefits | 43% | SourceU.S. Bureau of Labor Statistics Private industry, June 2026: benefits of $14.07 an hour on wages of $32.82. |
| Task counts and minutes | See table | Workahead estimate A typical week for a small trades office. Count a real week of yours instead. |
| Review minutes per draft | 2 | Workahead estimate Reading, editing and approving a short draft. |
| Quote building: 5 a week, 45 → 20 minutes | Estimate | Workahead estimate A small trades shop turning site notes into quotes. Time a few of yours. |
| Extra quotes from freed time | 0 | Workahead estimate Off by default. Turn it on only if quoting time is what limits you. |
| Close rate today / margin gain | 35% / 0.5 pt | Workahead estimate Set low on purpose. Use your Jobber or QuickBooks conversion report for the close rate. |
| Follow-up lift on open quotes | 3 pts | Workahead estimate We found no independent primary study for small trade businesses, so this is an estimate. |
| Write-offs recovered by reminders | 3% | Workahead estimate No primary study found. Compare a month of write-offs before and after. |
| Days sooner | 4 | SourceIntuit QuickBooks Intuit: customers using AI-drafted reminders were paid 4 days faster on average than with standard reminders (March 2025 to March 2026). Vendor data. Shown separately, not counted as new money. |
| Quote value, margin, overdue amount, cost of capital | Examples | Exampleuse yours $1,500, 40%, $600 and 0%. Use yours. |
| Briefing minutes | 15/45/90 today, 4/10/15 to read | Workahead estimate Owner time pulling reports and checking dashboards for a daily, weekly and monthly look. Time yourself for a week. |
| Owner hourly value | $60 | Exampleuse yours A placeholder. Use what you bill or what it would cost to replace your own hours. |
| Better-decisions upside | Off ($100 if on) | Workahead estimate Not proven and not counted unless you switch it on. |
| Business-size presets | Four sizes | Exampleuse yours Starting counts for seats, tasks, quotes and invoices, and which briefings are on: weekly only for Solo, weekly and monthly for Small crew, all three for larger shops. Workahead example values, not survey data. Small crew matches the defaults on this page. |
| Workahead plan prices | By size | Workahead pricelow end of range Solo uses Owner’s Weekly Numbers and the crews use Trades Office Manager. Solo and Small crew use the bottom of the published range, Growing shop the middle ($2,250 setup, $599 a month) and Established the top ($3,000, $799), because bigger shops run more workflows. Final pricing is scoped per business. |
Making the estimate yours
Count one real week
Estimates of time spent on email are usually low. For one week, have whoever runs the office keep a tally sheet next to the keyboard with a mark for every lead reply, follow-up, reminder and scheduling message, and a rough minute count for a few of each.
Then put those numbers in the table. Tasks with a lot of repetition and a predictable format, like reminders and follow-ups, are where drafts save the most. One-off judgment calls save little, and the calculator doesn’t pretend they do.
For the money lines, pull two reports: quote conversion for the last three months from Jobber or QuickBooks, and the accounts receivable aging report. If you wrote off nothing last year, set write-offs recovered to 0.
If the net comes out small or negative, start with the plugin on the seats you already need and one workflow. If it comes out large, the AI Readiness Audit checks the numbers against your real inbox before you spend on setup.
Questions
Before you trust the number
Is the Claude for Small Business plugin free?
Yes. Anthropic includes the Claude for Small Business plugin on every paid Claude plan, and there is no separate charge for it. You pay for the Claude seats: Pro is $20 a month for one person ($17 a month billed annually), and Team Standard seats are $25 a month each ($20 billed annually) with a two-seat minimum. Prices checked October 11, 2026.
Which Claude plan does a small business need?
Anthropic recommends Pro for one person and Team for a business with more than one. Team adds central billing, admin controls for connectors and SSO, and by default Anthropic doesn’t train on Team data. Premium Team seats ($125 a month, or $100 billed annually) give a heavy user about five times the usage of a Standard seat.
Where do the time savings come from?
From the time a person spends writing something that Cowork can draft from your inbox, job software or books. The calculator subtracts the minutes someone still spends reading and approving each draft, because at Workahead nothing goes to a customer without a yes. Task counts and minutes are Workahead estimates for a small trades office. Replace them with yours.
How does a quote go from field notes to Jobber?
The estimator sends Cowork the site notes, photos or a voice memo. Cowork drafts the quote in your format, with line items priced from your past jobs, and the estimator checks and finalizes it. Jobber’s official Claude connector can’t create quotes, so in a Trades Office Manager setup the draft goes to the estimator to enter or paste into Jobber. Where your setup supports it, a third-party connector such as Composio can push the draft in directly. We confirm which route works during the audit.
How is money from quotes counted?
Two ways, kept separate so nothing is counted twice. Follow-ups on quotes already waiting for an answer add a few points to your close rate on those open quotes. Faster quote building can add new quotes on top, and those are priced at your normal close rate. Both count only gross profit (your margin), not revenue. A small margin lift from more consistent quotes applies only to the quoted work you already win. Extra quotes also use up the estimator time they need, so those minutes aren’t counted again as time saved.
Why isn’t collecting invoices sooner counted as new money?
Because it isn’t new money. An invoice paid four days early was going to be paid anyway. The calculator counts only overdue dollars that would otherwise be written off. It shows cash collected sooner on its own line, and that only adds to the net if you enter a cost of capital, such as the interest on a line of credit you’d otherwise draw. The 4-day default comes from Intuit’s own data: customers using AI-drafted QuickBooks reminders were paid 4 days faster on average than with standard reminders (March 2025 to March 2026). It’s a vendor figure, not an independent study.
Are the follow-up and reminder gains proven?
No. We didn’t find an independent primary study measuring how much consistent quote follow-up raises close rates, or how much reminders cut write-offs, for small trade businesses. Those defaults are Workahead estimates set low on purpose: 3 extra points on open quotes and 3% of overdue dollars recovered. Track your own close rate and write-offs for a month before and after.
What’s in an owner briefing?
A short summary Cowork writes on a schedule from your connected tools, so you don’t have to open each one. A daily briefing covers yesterday’s calls and leads, today’s jobs, cash that came in and anything overdue. A weekly briefing covers revenue, quotes won and still waiting, money owed, payroll hours and your review rating. A monthly briefing looks at profit and margin trends by job type and, if those channels are connected, marketing spend against booked jobs. The point is faster decisions on staffing, bidding and market focus. Example lines: “Crew B is booked for 46 hours next week, so overtime starts Thursday.” “Water heater swaps won 7 of 9 quotes this quarter at a 44% margin; panel upgrades won 2 of 8 at 28%.” “North-side jobs from Google leads booked at twice the rate of other sources.” Owner’s Weekly Numbers is the entry version, built around the weekly briefing.
Which tools does a briefing need?
The core is your books (QuickBooks), job software (Jobber), payroll (Gusto), Gmail and your calendar, your phone system and Google reviews. Marketing channels such as Google Business Profile, Google Ads, GA4, Meta and your email platform can be added if a connector is available for your accounts. Connector coverage changes, so the AI Readiness Audit checks what your accounts support before anything is promised. If a source can’t be connected, the briefing says so instead of guessing.
Why is owner time valued differently?
Because an owner hour usually costs more than a staff hour. The calculator values briefing time at the owner rate you enter ($60 by default, an example) and staff work at the staff wage plus taxes and benefits. If the owner also builds the weekly numbers report in the task table, set that row to 0 so the same time isn’t counted twice. The Solo preset already does this.
Is the “better decisions” upside real?
It can be, but it isn’t proven, so it’s off by default. The growth case is in three kinds of decisions: staffing (moving work between crews before overtime, or hiring when the backlog says so), bidding (chasing the job types you win at a good margin and repricing the ones you don’t) and market focus (putting ad money and crew time into the services, neighborhoods and lead sources that pay best). We don’t have a reliable dollar figure to cite for small trade businesses. If you switch it on, keep the amount small and treat that net as the optimistic case. The weekly Usage & Savings Audit is how Workahead measures what actually changed over time.
What do the business-size presets change?
Each size fills in starting counts: Claude seats, lead replies, follow-ups, review requests, invoice reminders, scheduling replies, quotes built, open quotes, overdue invoices and which owner briefings are on. It also picks a plan. Solo starts on Owner’s Weekly Numbers with one Pro seat. Small crew, Growing shop and Established start on Trades Office Manager, priced higher as the shop grows. These are Workahead example values set on the low side, not survey data. Wages, minutes per task and the money estimates stay the same at every size, and any number you change switches the picker to Custom.
Do I need Workahead to use Cowork?
No. Choose “No setup help” and the calculator shows Claude seats only, with the same hours and money. That assumes you build the workflows, connect the tools, test them on real email and jobs, and get the team to use them. Workahead’s fee pays for that setup, for getting staff to approve drafts every day, and for the weekly measurement that shows whether the hours and money are real. If you can do those yourself, the do-it-yourself line is the honest comparison.
Why is the hourly rate higher than the wage?
Employers pay more than the wage for every hour worked. In the BLS Employer Costs for Employee Compensation release for June 2026, private-industry benefits averaged $14.07 an hour on top of $32.82 in wages, about 43%. The calculator applies that to the wage you enter. The default wage is the May 2025 BLS median for secretaries and administrative assistants, $23.23 an hour. Receptionists were $18.27. If the owner builds the quotes, the real cost of that time is higher.
What does this leave out?
Usage limits, other software, and your own setup hours if you do it yourself. Each Claude seat has weekly usage limits, so a team running heavy scheduled work may need a Premium seat or usage credits. Add any new subscriptions in the “Other monthly tools” field. It also leaves out revenue from answering missed calls, which the missed-call calculator covers.
Before you buy seats
Find out which tasks are worth handing over first.
The AI Readiness Audit (for Claude Cowork) maps your inbox, job software and books, prices the time each workflow would save, and gives you an install order. You can build it yourself afterward or have Workahead do it.
Workahead is independent and not affiliated with Anthropic, Google, Invoca or BrightLocal. Results are planning estimates built from the numbers you enter, not measured results for your business.