More months = smarter math. Start with at least 3. You can add more or fewer rows as you like.
Paste numbers, one per line. Most recent month last. (Or copy a column from a spreadsheet.)
Step 2
What does your life cost?
Rough monthly numbers — round to the nearest 100. We'll use these to size your buffer.
Rent, food, life stuff, the gym you barely use.
$/ month
Software, contractors, the things you write off at tax time.
$/ month
Step 3
How much goes to tax?
Roughly. We'll adjust if you want. Pick a preset or move the slider.
25%
0%50%
Your sustainable paycheck
$0
— every month, even slow ones
Safe to pay yourself this much
When money lands, split it like this
per $1,000 earned
Taxes
25%
$250 per $1k
Operating
15%
$150 per $1k
Buffer
10%
$100 per $1k
Owner pay
50%
$500 per $1k
Open four sub-accounts at your bank. The moment a client payment hits, move the percentages above into each one. Pay yourself only from the Owner Pay account — never the main one.
Your buffer target
~2 months of paycheck
You need
$0
Roughly saved per month
$0
Saving the 10% buffer slice from each payment~6 months to fill
Once you've stashed $0 in a separate account, slow months stop being scary. You just keep paying yourself $0 every month — same number, every time.