Mmmm, its frightening when you start to add up your outgoings isn't it, the one that cheeses me off is when you add up how many hours your cleaner has to work just to pay their holidays!!
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It looks like you're on the right tracks though and knowing these things makes it much easier to justify your high prices to your customers. You may struggle a bit for a year or two and then one day everything falls into place because your fixed costings stay roughly the same but with additional income from extra work you really start to make a profit.
There is a very helpful chap on here called CMS who a few months back posted a rather useful spreadsheet, it would be worth having a search for it because I use it to check my quotes and its quite accurate, and you could adapt it further to include anything you wanted ( thats if he doesn't mind
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