I add up the cost of all of the materials EXCEPT the pc, and multiply by 4. Then I start adding. $1 or $2 for each plain pc bead, $3-5 each for fancy or sculpted beads, $15-$30 or even up to $60 for the focal depending on what it is. I will then look at the total and adjust up or down a bit based on how that seems to "fit". Those are the per-bead prices I would charge for selling them unfinished. It's still almost a wholesale price, but it's got a decent margin in it.
That works for most stuff. But if you have Gallery pieces - and you'll know one when you see it - take that end figure and double it. If that number is high enough to make your heart skip a beat, it's probably the right number.