Formula: ((Labor + Materials + Framing) × (1 + Overhead%)) × Medium Multiplier ÷ (1 − Commission%)
Labor = Hourly Rate × Hours Spent
Medium Multipliers: Oil 1.15×, Acrylic 1.0×, Watercolor 0.85×, Pastel 0.90×, Mixed 1.10×
Experience rates: Based on per-square-inch benchmarks from CyPaint 2025, MakerCalculator 2026, Marcus Hill 2026.