What is your tax classification?
Your tax classification affects how owner pay is structured and how taxes are calculated. This shapes several parts of your allocation plan.
Please select your entity type to continue.
What is your revenue this month?
Enter the total your business brought in — or your best estimate if the month is not yet closed.
Please enter your monthly revenue to continue.
What are your total business expenses this month?
Include everything the business spent — payroll, software, rent, marketing, contractors. Do not include any owner take-home pay — we will calculate that separately.
Please enter your expenses to continue.
How consistent is your profit month to month?
This determines how large your Safety Net target should be. A business with more volatile profit needs a larger cushion to protect your judgment during slow periods.
Target: 3 months of expenses.
Target: 4.5 months of expenses.
Target: 6 months of expenses.
Please select an option to continue.
What is your current Safety Net balance?
Your Safety Net is a dedicated savings account set aside for business emergencies only — not your operating account. Enter what you currently have in that account. Enter 0 if you have not started one yet.
Please enter your Safety Net balance (enter 0 if none).
What are your owner pay targets?
Your necessary pay is the floor — what you need to cover household expenses every month. Your desired pay is what you would ideally take home. The calculator will fund necessary pay first, then work toward your desired amount once the reserve is covered.
Please enter both your necessary and desired pay amounts.
Let's estimate your tax rate.
We will calculate a conservative tax savings rate based on your situation. For a precise number based on your actual return, work with your CPA.
Please select your state type to continue.
How do you want to split what remains?
After taxes, necessary pay, and your Safety Net contribution are covered, the remaining profit is yours to direct. Decide what percentage goes toward re-investing in the business and what percentage goes toward increasing your pay.
Your percentages must add up to exactly 100% to continue.
Ready to see your profit allocation plan?
Enter your name and email and you'll get it right away.
Please enter a valid email address.
Here is what to do with your profit this month.
Transfer each amount to its designated account as soon as your books are closed for the month.
How your profit is allocated — in order
Whatever remains after steps 1–3 is allocated between step 4 and 5 based on your chosen allocation percentages.
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