This calculator helps business owners determine a sustainable salary by balancing personal income needs against business profitability and growth reinvestment.
Purpose:
This calculator helps business owners determine a sustainable salary by balancing personal income needs against business profitability and growth reinvestment. Enter your monthly revenue, operating expenses, cash reserves, minimum personal income needed, and growth priority. The calculator shows conservative, recommended, and maximum salary options.
Tips for Ongoing Use:
Bookmark this page (Ctrl+D or Cmd+D) for quick access.
- Recalculate quarterly as profit changes
- Adjust when growth priorities shift
- Review before major personal financial decisions
- Discuss with your accountant for tax optimisation
Understanding Basics:
Owner salary should balance personal needs with business health. Taking too much starves growth; taking too little creates personal financial stress that affects business decisions.
Benefits for SMEs:
- Remove emotion from salary decisions
- Balance personal and business needs
- Plan for sustainable growth
- Avoid cash flow problems from over-drawing
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