Since I don't make tops, this is a lot easier for me. I tell them to buy (or make) the top, the backing and the batting and I charge $150, $200, or $250 (depends on size) for the quilting. I also inform them that it will be a long time for hand-quilting. That's all I charge because I enjoy doing it. I figure if I can get paid to do my hobby, it's a good thing!