Profit-First Living Plan
Give every dollar a job before life eats it. Plan your monthly take-home pay across the five categories that fund a work-optional life.
How this works. Enter your monthly take-home pay (after taxes, insurance, and 401(k) deductions). Then enter what you actually spend in each category. The tool shows you where you are versus the recommended ranges, but the recommended ranges are guideposts, not rules.
If your housing is 42% but you're cutting your fun money on purpose because you bought a home you love, that's a conscious tradeoff. The point isn't to hit every target. The point is to know what you're trading and why.
Start with your take-home pay
What hits your bank account each month after taxes, insurance, and automatic retirement deductions.
What you're contributing to a 401(k), pension, or other pre-tax retirement plan each month. This is already off the top before take-home pay. We capture it here so you can see your full wealth-building picture.
Your five categories (percentages update as you type)
Housing
Target: 25–35%
Mortgage or rent, property taxes, insurance, utilities, HOA
0.0%
Essentials & Stability
Target: 25–35%
Groceries, transportation, healthcare, childcare, cell phone
0.0%
Work-Optional Wealth
Target: 20–25%
Roth IRA or brokerage contributions, real estate or business investing, replenishing your emergency fund if you've tapped it
0.0%
Guilt-Free Living
Target: 10–15%
Travel, hobbies, fun money, gifts, donations
0.0%
Debt Freedom & Flexibility
Target: 5–10%
Extra loan payments, credit card payoff, buffer savings if debt-free
0.0%
Your Plan at a Glance
Take-Home Income
$0
Total Allocated
$0
Unallocated
$0
Enter your numbers above to see your plan.
Once you fill in your income and category amounts, you'll see how your plan compares to the recommended ranges.