Profit Routing Calculator
This free calculator models how monthly profit gets routed into four buckets: Tax, Reserves, Growth, and Wealth. Enter your monthly extra profit and a reserves target to see suggested routing percentages, how long your cash reserve takes to fund, and a long-term wealth projection. Built for business owners who want a plan for profit before it disappears into the operating account.
Year-by-year projection
Total savings (end of year) = reserves + owner investments
Reserves goal
Goal: $135,000 (4.5 months of overhead)
Tip: click a year row to expand months above it.
End of projection
Tax set-aside is a planning bucket, not a tax calculation or guaranteed tax reduction.
| Period | 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 |
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.
Projections are planning tools, not guarantees. Actual results vary by your facts, timing, and implementation. See how HavenStone thinks about tax savings.
Profit routing: the basics
This framework routes profit by priority and adjusts after reserves hit target (maintenance + reroute). For more on bookkeeping cadence, pricing, reserves, and the numbers behind routing decisions, browse the Profit, Bookkeeping, and Cash Flow hub.
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.
Prefer YouTube? Watch on YouTube
Editorial review
Reviewed for tax accuracy
Educational tax content prepared by HavenStone Advisory and reviewed for technical accuracy. It is not individualized tax, legal, accounting, investment, or financial advice. Rules can change, and your facts matter, so confirm decisions with your CPA, attorney, or tax advisor before acting.
Reviewed by Mia Anne Pham Reeves, CPA
See our editorial policy or report a correction.
Verify reviewer CPA license through TSBPAPrimary references
- IRS Small Business and Self-Employed Tax Center
- IRS Estimated Taxes
- IRS Publication 505 - Tax Withholding and Estimated Tax
Review standard
- Primary-source references checked where rule-specific claims are made.
- Article scope limited to educational information unless a client engagement exists.
- Time-sensitive tax rules labeled with published, updated, or reviewed dates.
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