Rates are hourly benchmarks. FI and agency work should be scoped as fixed-fee projects. SE tax uses effective rate of 14.13% (net of deductible employer half). Federal rate estimated post-QBI + MFJ standard deduction. WA has no state income tax.
Monthly gross income
$17,500
Live from income model · adjust sliders on tab 1
Each line is editable. Adjust to match your actual expenses. Remaining shows how your gross covers your personal budget.
Housing & debt
Penny Mac (mortgage)
Extra mortgage payment
Savings
Subtotal$3,005
Insurance
State Farm (auto)
American General (life)
Subtotal$439
Utilities
City of Pasco (water)
Franklin PUD
Cascade Natural (gas)
Basin Disposal
Spectrum (mobile & internet)
Subtotal$449
Subscriptions
Amazon Music
Premium Connectivity
Apple iCloud
Nest
Subtotal$54
Variable expenses
Medical
Groceries
Misc expenses
Restaurant
Gas
Subtotal$3,410
Personal
Erica spend
Other
Subtotal$300
Monthly gross
$17,500
from income model
Total budget
$7,657
all categories
Remaining
$9,843
covers taxes + goals
Income figure is your monthly gross pulled live from the income model. Remaining = gross minus all personal budget items. Remember taxes, giving, investing, and business costs still come out of the remaining — this view shows coverage, not take-home. Adjust line items to match actuals as they change.