Most owners ask “how much can I take out?” — and the answer changes every month. This flips the question: what does your life actually need? Work out your Need Number, see the gap between it and what you really take, and find out whether you’re running in the red or in the black.
Work out my Need NumberWhat your household actually needs each month — including the annual costs everyone forgets.
Tax gets there before you do. We estimate what the business must pay out so your life is covered.
Compare your Need Number with what you really take. In the red, or in the black? Now you know.
Be honest, not optimistic. For anything you pay yearly — holidays, insurance renewals, Christmas — divide by 12. Those are the ones that wreck most people’s numbers.
Two more figures and you’re done. Check the bank for the second one — memory is kind, statements aren’t.
What the business must pay out each month so your take-home covers your life — including an estimate for tax on a typical salary-plus-dividends structure.
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