What does “monthly extra profit (pre-tax)” mean?

Profit left after operating expenses, before income taxes. That is the amount being routed.

How does the calculator decide the routing percentages?

It follows the HavenStone Profit Routing Cheat Sheet by level, including “until target” reserves and post-target maintenance rerouting.

What is “reserves target”?

A months-of-overhead goal (e.g., 2–3 months). The tool converts that to dollars and models time-to-target.

What does “Optimized (planning + projection)” mean?

It represents a scenario where tax set-aside percentages may be lower based on proactive planning and quarterly projections — not a guarantee.

Does this tool guarantee tax savings?

No. It is an educational model. Confirm assumptions with your CPA/attorney and quarterly projections.

What do I get in the download?

The Profit Routing Cheat Sheet plus a routing template (PDF + spreadsheet).

Profit Routing Calculator

Model how monthly profit gets routed into Tax, Reserves, Growth, and Wealth.
See the long-term outcome.

Profit Routing Planner

Allocate monthly profit into tax set-aside, reserves, growth, and owner investments.

Step 1: enter profit + overhead • Step 2: set reserves goal • Step 3: compare Baseline vs Optimized

Monthly profit to allocate

≈ $40,000 / month

Monthly overhead

≈ $30,000 / month

Current reserves

≈ $0

Starting owner investments

≈ $0

Profit growth model

Growth ROI (annual)

Lag (months)

Uses your Growth bucket to create profit lift after the lag (simplified assumption).

Business stage

Active stage (today): Scaling (≈ $50k/mo profit)

Allocations by stage

Click a level in the tables on the right to edit allocations inline. Use the toggle below to enable custom allocations.

Stage	Baseline	Optimized
Starter (L1) ≈ $1k/mo profit
Growing (L2) ≈ $10k/mo profit
Scaling (L3) ≈ $50k/mo profit
Enterprise (L4) ≈ $100k/mo profit

Tip: You can also click a Level cell in the tables on the right to edit inline.

Reserves goal (months of overhead)

Mode

Months

Goal today: $135,000 (4.5 months × $30,000 overhead)

Talk to HavenStone

Year-by-year projection

Years:Start:

Metric:

Total savings (end of year) = reserves + owner investments

Reserves goal

Goal: $135,000 (4.5 months of overhead)

Funded monthMonth 30 (2y 5m)

Maintenance % after funded3%

Tip: click a year row to expand months above it.

End of projection

Total savings (end)$3,176,875

Tax set-aside (total)$2,364,976

Tax set-aside is a planning bucket — not a tax calculation or guaranteed tax reduction.

Level	Profit routed	Tax set-aside	Reserves	Growth	Wealth	Total end savings
	$515,199	$180,320	$51,520	$127,512	$155,848	$213,228
	$617,008	$215,953	$61,701	$152,709	$186,645	$482,344
	$739,772	$258,920	$42,634	$183,093	$255,124	$819,907
→	$884,598	$328,952	$22,669	$187,023	$345,954	$1,253,660
	$1,013,633	$405,453	$20,273	$167,249	$420,658	$1,792,867
	$1,145,017	$458,007	$22,900	$188,928	$475,182	$2,429,095
	$1,293,430	$517,372	$25,869	$213,416	$536,773	$3,176,875

Tip: the Level cell is clickable to view/edit allocations for that stage.

Disclaimer: This planner is educational only and does not constitute tax, legal, or financial advice. “Optimized” assumes proactive planning, entity optimization, and ongoing CPA oversight. Confirm with quarterly projections and your own CPA/attorney. Results are simplified estimates and do not model every edge case.

Get the cheat sheet + routing template

Includes the Profit Routing Cheat Sheet plus an implementation template. Update the download after changing inputs.

Common questions

Quick answers aligned to how the calculator models reserves, maintenance, and rerouting.

Want the full written walkthrough? Read the companion blog post →

Profit routing: the basics

This framework routes profit by priority and adjusts after reserves hit target (maintenance + reroute).

4 buckets

Tax, Reserves, Growth, Wealth — each has a job.

Reserves target

Set a months-of-overhead goal and fund it until target.

Reroute after target

After target, reserves drops to maintenance and freed % is rerouted.

Profit Routing Framework (Walkthrough)

If you want the “why” behind the numbers, this video explains what “extra profit” really means, the safety gate, and how the 4 buckets work so you stop making emotional decisions with cash.

Read the full blog post Back to calculator

Prefer YouTube? Watch on YouTube →

Want this implemented with you?

We’ll pressure-test your targets, build a 90‑day growth lane, and align tax planning with projections.