Start with the life and pace of work you want to sustain. Then work out what your business needs to make that possible.
Start with what you want your business to support each month.
For housing, food, health, leisure and everything that exists outside work.
Long-term savings, a personal safety net and retirement.
The same amount every month.
The contribution changes when you change the monthly amount you need to live.
You’ll set aside 300 € per month, equal to 15 % of your living amount.
Decide how much you want to work and how much time you want to keep genuinely outside work.
Your usual working rhythm.
Includes time spent managing the business.
Time genuinely disconnected from work.
Based on your calendar.
Health, training, care responsibilities or periods without projects.
Admin, meetings, marketing, proposals and everything you do but cannot bill.
Used only to calculate your day-rate benchmark.
What your business needs to pay each month before it can pay you.
Software, insurance, phone, workspace, advice, materials and equipment.
Typical examples in your selected currency
What you need to set aside so you don’t confuse revenue with money you can actually use.
Choose how they are calculated in your situation. If you don’t know yet, you can continue.
Applied to everything you bill.
Applied after business costs are deducted.
A stable amount every month.
VAT is not income. You usually collect it on behalf of the tax authority and pass it on later, so it stays outside this calculation.
Money that stays in the business to absorb late payments, cancellations or slow months without forcing you into urgency.
This money stays inside the business.
Rises or falls with your revenue target.
Target: 1,800 € · contribution: 322 €/month · timeframe: 6 months.
Predictable expenses do not belong here. Divide them by 12 and include them in your monthly business costs.
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Your monthly benchmark
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