ASY · SMALL BUSINESS & IRREGULAR INCOME
Plan for the strong months.
Be ready for the lean ones.
A practical monthly budget for W-2 take-home pay, business income, household spending, taxes, and a cash cushion.
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Your budget amounts stay in this browser and are not sent to ASY.
Budget figures are kept only while this page is open. Export your plan before leaving or refreshing.
Set your planning targets
The tax percentage is your chosen savings target, not a calculation of tax owed. Household spending is not a business tax deduction.
Using entered income.
Checking this replaces all February–December W-2 amounts with January’s amount. While checked, changes to January update every month. Edit another month or uncheck to enter different amounts.
Checking this replaces all February–December household amounts with January’s amount. While checked, changes to January update every month. Edit another month or uncheck to enter different amounts.
Checking this replaces all February–December business income amounts with January’s amount. While checked, changes to January update every month. Edit another month or uncheck to enter different amounts.
Checking this replaces all February–December business expenses amounts with January’s amount. While checked, changes to January update every month. Edit another month or uncheck to enter different amounts.
| Month | W-2 take-home pay | Business income | Business expenses | Household spending | Tax set-aside | Reserve balance | Left / short |
|---|
Enter whole-dollar amounts from $0 to $100,000,000, percentages from 0 to 100, and reserve months from 0 to 24.
Your annual plan
Positive surplus funds the reserve at your selected savings rate. Lean months draw from the reserve first. Any deficit beyond the available reserve is an unfunded shortfall. Remaining surplus is shown as money left; it is not carried into the reserve automatically.
Want help reviewing your numbers?
Schedule a consultation with ASY to discuss your budget, cash flow, tax set-asides, and cash reserves. Your budget is not shared automatically; you decide what to provide for the consultation.