---
title: "Profit Routing Calculator"
updated: "2026-07-03T08:00:00Z"
description: "Route monthly profit into Tax, Reserves, Growth, and Wealth, and model reserve targets and wealth outcomes over time."
canonical: "https://www.havenstoneadvisory.com/resources/calculators/profit-routing"
---

# 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.

Projections are planning tools, not guarantees. Actual results vary by your facts, timing, and implementation. See [how HavenStone thinks about tax savings](/tax-savings-methodology).

## 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](/resources/topics/profit-and-cash-flow).

- **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.

## FAQ

- **What does "monthly extra profit (pre-tax)" mean?** Profit left after operating expenses, before income taxes.
- **How does the calculator decide the routing percentages?** It follows the HavenStone Profit Routing Cheat Sheet by level.
- **What is "reserves target"?** A months-of-overhead goal (e.g., 2–3 months) converted to dollars.
- **Does this tool guarantee tax savings?** No. It is an educational model. Confirm assumptions with your CPA/attorney.

Use the interactive calculator at: https://www.havenstoneadvisory.com/resources/calculators/profit-routing