> ## Documentation Index > Fetch the complete documentation index at: https://docs.x.build/llms.txt > Use this file to discover all available pages before exploring further. # Pricing & Profit > Set your default margin, deposit rules, and financing display for proposals ## Working with Pricing & Profit Pricing & Profit holds three settings for every retail estimate the AI builds: the **margin** baked into your prices, the **deposit** your customer pays on approval, and the **financing** figure shown next to each project option. It's admin-only and per [Location](/features/locations) — configure each one you run. Item-level prices live in [Your Catalog](/features/your-catalog) and [Component packages](/features/component-packages). ### 1. Open Pricing & Profit 1. Sign in to your XBuild account. 2. Open **Settings**. 3. In the Settings navigation on the left, click **Pricing & Profit**. The page shows three cards — **Margin**, **Deposit**, and **Financing** — with **Save Changes** and **Cancel** at the bottom. Nothing applies until you save. ### 2. Set your default margin The **Margin** card sets the default margin percentage applied to estimates. This is a **gross profit margin, not a markup on cost**: a 40% margin means your profit is 40% of the final price, a bigger number than adding 40% on top of cost. The helper text under the field restates this with your current value. 1. Enter a value between 0 and 100 in the **Margin** field. 2. Click **Save Changes**. The AI applies this margin when it prices new retail estimates. It's a default, not a lock — for a specific project, adjust the numbers in chat or in manual edit mode, and the change stays on that proposal only. See [Editing estimates and proposals](/features/editing-estimates-and-proposals). ### 3. Require a deposit The **Deposit** card controls whether customers pay something up front and how the amount is calculated. Turn on the **Deposit** toggle and pick a type: | Type | What you enter | | ------------------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Fixed Amount** | A dollar amount, the same on every project | | **Percentage** | A value between 0 and 100, applied to the total project cost | | **Custom Formula** | Conditional logic on the project total in plain language — "100 if Total is less than \$25,000 ELSE 10% of Total." If XBuild can't interpret the sentence, an error appears under the field when you save; keep to an amount or percentage with "if / ELSE" conditions on the Total | The deposit is charged when the customer approves the proposal — see [Deposits and getting paid](/features/deposits-and-getting-paid) for the payment flow and [What your customer sees](/features/what-your-customer-sees) for the customer's view. Receiving payouts requires a linked bank account; while setup is incomplete, the Deposit card shows a callout walking you through it (from **Add your bank to receive deposit payouts** through **Bank account pending verification**), and it disappears once your account is active. Setup details and timings are in [Deposits and getting paid](/features/deposits-and-getting-paid). ### 4. Show financing on proposals The **Financing** card puts an estimated monthly payment on proposals — "\$182 / mo" next to a project total. Turn on the **Financing** toggle and fill in: | Field | Rule | | ------------------ | ------------------------------------------------------------------------------------------------------------- | | **Term (months)** | Required; at least 1 | | **APR (%)** | Required; 0 is allowed for promotional zero-interest terms | | **Minimum Amount** | Optional; project options below this total show no financing line | | **Payment Factor** | Read-only; calculated from term and APR by standard amortization (at 0% APR, the total divided by the months) | Every project option whose total meets your minimum shows a line under its Total Investment — "\$182 / mo for 60 months" — with the note "Monthly rates pending approval." The figure is informational: XBuild doesn't run credit checks or process financing, so keep the term and APR aligned with what your financing partner offers. ### 5. Troubleshooting common issues * **My prices look higher than cost plus my margin percentage.** Margin is profit as a share of the final price, not a markup on cost. A 40% margin on a $600 cost prices the work at $1,000, not \$840. Lower the percentage if you were thinking in markup terms. * **I get "Please select a deposit type" when saving.** The Deposit toggle is on but no type is chosen. Pick Fixed Amount, Percentage, or Custom Formula — or turn the toggle off. * **The monthly payment isn't showing on a proposal.** Confirm the Financing toggle is on and Term and APR are filled in (both are required to save). Then check your **Minimum Amount** — options priced below it show no financing line. * **Financing shows on some project options but not others.** The minimum is compared against each option's own total, so a Good option can fall under the threshold while Better and Best qualify. * **I changed my margin but an existing proposal didn't update.** Defaults apply when an estimate is generated. Existing proposals keep their numbers — edit them in chat or regenerate to pick up the new margin. For further assistance, contact XBuild Support at [support@x.build](mailto:support@x.build).