I got tired of screwing myself on my estimating so I made my own excel spreadsheet that I have downloaded onto my pocket pc. I have every conceivable expense on there-insurance(health, life,liability,vehicle,etc.), the estimated hourly or mileage life of all equipment and vehicles divided into the replacement cost of said, and labor, design time, etc. plus I can input what profit I want to see from the job and it kicks out the #. Excel macros are great. It keeps me from second guessing myself. You don't need a program, just use your experience as your guide to the hours needed for each piece of equipment and let excel do the rest. You may have to upgrade to a pocket pc though if you can't run spreadsheets on your palm. Good luck.