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Cash Flow Planner
v2.0
Optimize your income, taxes, and expenses for maximum take-home pay
Real-time calculations
Tax year 2025
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Income Configuration
Annual Gross Salary ($)
Bonus Amount ($)
Monthly Side Income ($)
Tax Information
CA - California
Monthly Gross:
$7,083
Annual Total:
$90,000
Pre-tax Deductions
401(k) Contributions
Traditional 401(k) (% of salary)
%
Annual: $8,500
%
Annual: $4,250
Employer Benefits
%
%
Health Savings
2025 limit: $4,300 (individual) / $8,550 (family)
2025 limit: $3,300
Insurance Premiums
Total Pre-tax Deductions:$13,780
Potential Employer Match:$3,400
Monthly Expenses
RentHousingFixed
$1,800
GroceriesFood
$400
Dining OutFood
$200
Car PaymentTransportationFixed
$350
GasTransportation
$120
Car InsuranceTransportationFixed
$100
PhoneUtilitiesFixed
$80
InternetUtilitiesFixed
$70
SubscriptionsEntertainmentFixed
$45
Health CostsHealthcare
$100
Total Monthly:
$3,265
Fixed:
$2,445
Variable:
$820
By Category:
Housing:$1,800
Food:$600
Transportation:$570
Utilities:$150
Entertainment:$45
Healthcare:$100
Budget Optimization
Total Income
$7,500
Non-negotiable
$3,019
Optimizable
$3,967
Monthly Budget Flow
Monthly Income
$7,500Non-negotiable (8 items)
-$3,019Taxes: Social Security-$465
Taxes: Medicare-$109
Housing: Rent-$1,800
Transportation: Car Payment-$350
Transportation: Car Insurance-$100
Utilities: Phone-$80
Utilities: Internet-$70
Entertainment: Subscriptions-$45
Optimization Targets (12 items)
-$3,967Pre-tax Deductions: Traditional 401(k)-$708
Pre-tax Deductions: HSA Contribution-$250
Pre-tax Deductions: Health Insurance-$150
Pre-tax Deductions: Dental/Vision Insurance-$25
Pre-tax Deductions: Life Insurance-$15
Taxes: Federal Income Tax-$1,128
Taxes: State Income Tax-$868
Post-tax Deductions: Roth 401(k)-$4
Food: Groceries-$400
Food: Dining Out-$200
Transportation: Gas-$120
Healthcare: Health Costs-$100
Available for Savings/Investment$514
Focus on optimizing the $3,967 in target categories above
Monthly Take Home
$4,480
After all deductions
Net Cash Flow
$1,215
Available to save
Savings Rate
27.1%
Of take-home pay
Employer Match
$17
Free money monthly
Income Waterfall
Paycheck Deductions
Track how your gross income flows to take-home pay
Expense Breakdown
By Category
Understand where your money goes each month
Budget Summary
Monthly View
Complete view of your monthly cash flow
Monthly Take Home
$4,480
Total Expenses
$3,265
Available for Optimization/Savings
$1,215
Surplus • 27.1% savings rate
Where Your Money Goes
Gross Income$7,500
- Pre-tax Deductions-$447
- Taxes (Fed/State/FICA)-$2,569
- Post-tax (Roth)-$4
= Take Home Pay$4,480
- Monthly Expenses-$3,265
= Available for Savings$1,215