Step 1 of 3
What's your average monthly income?
Enter your net income after platform fees — what actually lands in your business account. Use a recent typical month.
$
Monthly income after fees, before expenses
Please enter your monthly income to continue.
Step 2 of 3
What are your non-negotiables?
Your Operating Expenses and Tax are locked first — everything else adjusts around them.
Add every tool and subscription you pay to run your business: Airtable, Canva, Claude, Systeme.io, hosting, contractors, advertising, etc.
Monthly business expenses
Total OpEx (locked)
$0.00
Tax set-aside %
Set this aside every time income arrives, before spending anything. Common rates: 15–20% for sole traders and freelancers.
%
Your expenses and tax exceed your income. Please check your numbers.
Step 3 of 3
What's your profit target?
After OpEx and Tax are reserved, the remaining income is split between Profit and Owner's Pay. Choose your profit target — Owner's Pay is calculated automatically.
Live breakdown
OpEx
$0
0%
Tax
$0
0%
Profit
$0
0%
Owner's Pay
$0
0%
Profit target
Owner's Pay
Automatically calculated from whatever remains after OpEx, Tax, and Profit.
$0
0%
Your Income Allocation
Here's how to split your income
Transfer these amounts every time income arrives — OpEx and Tax first, then Profit, then pay yourself the rest.
Monthly income
Owner's Pay
Auto-calculated
Transfer to your personal account
Tax
Locked
Set aside — never touch this
Profit
Your target
True profit — not for expenses
Operating Expenses
Locked
Your business running costs
📋 Using the Bookkeeping & Finance OS?
Update the formula fields in your Payment Allocations table to match your percentages. Click the field name → Edit field → update the decimal (e.g.
0.50 = 50%). As your revenue grows, increase Profit % by 1% each quarter and let Owner's Pay adjust automatically.