Replace Your Paycheck Calculator

Estimate how much business or self-employment revenue you may need to replace your paycheck, benefits, taxes, and operating costs.

Your salary is only one part of what your job provides. This calculator includes bonuses, benefits, business costs, taxes, and a safety cushion to help create a more realistic replacement goal.

Step 1: Your Current Job

Enter yearly amounts. Use zero for anything that does not apply.

Annual salary Gross yearly salary before deductions

Annual bonuses or commissions Performance bonuses, commissions, or incentives

Employer-paid health benefits Estimated yearly employer contribution

Employer retirement contribution 401(k), pension, or matching funds

Value of paid time off Vacation, holidays, and paid sick leave

Other annual benefits Insurance, education, equipment, or other perks

Step 2: Your Business Plan

These estimates help convert job compensation into a possible business revenue target.

Current annual business income Optional—used to measure progress

Estimated business expenses Percentage of revenue used to operate the business

Estimated self-employment tax rate Planning estimate only

Desired safety cushion Extra revenue above the estimated minimum

Monthly housing payment Optional milestone: rent or mortgage

Monthly utilities Optional milestone: power, water, internet, phone

Monthly vehicle payment Optional milestone

Other monthly living expenses Food, insurance, subscriptions, and other costs

ESTIMATED ANNUAL BUSINESS REVENUE GOAL

$0 per month

Total job compensation

Salary, bonuses, and estimated benefits.

Weekly revenue goal

Based on 52 weeks per year.

Daily revenue goal

Based on 260 working days per year.

Revenue still needed

Annual target minus current business income.

Financial Independence Meter 0%

Building

Enter your current annual business income to measure progress.

0 / 100

Income Replacement Milestones

Your Next Recommended Goal

Your Personalized Freedom Plan

The goal is not only to earn more money. It is to build reliable income that gives you more choices with your time.

This calculator provides an educational estimate only. It does not guarantee business income and is not financial, tax, legal, employment, or investment advice. Actual expenses, taxes, benefits, insurance costs, and business results vary.