Does this calculator include business expenses?

No. This calculator focuses only on personal income and living expenses. Business expenses are handled separately.

Is this calculator only for coaches?

This version is designed specifically for coaches, though similar calculators may exist for other service providers.

What does take-home income mean?

Take-home income refers to the money you personally need your business to pay you after covering your living expenses.

Take-Home Income Target Calculator For Coaches

Figure out how much your coaching business needs to pay you to support your life across different seasons, from “just enough” to “living my best life"

Who this calculator is for (and who it's not)

This calculator is built for coaches who sell their expertise or transformations figure out how much money their coaching business needs to pay them to support their life.

It's not designed for coaches who don't have control of their pricing or product-based businesses.

It focuses on personal income and expenses only - it's does not include expenses from your coaching business. That comes later.

How to use this calculator

Pick your scenario
Fill in what applies
Read your take-home target

You can change numbers and switch scenarios at any time.

Cool, I have a number...what does it mean?

Once you've entered in your numbers, in the results section you'll see two scenarios:

Scenario 1: "Needed from your business (take-home)" turns red

If you have more expenses than you have income, then you'll see that the "Needed from your business (take-home) section turns red, with an amount.

This means that's the amount of money you'd need your business to pay you in order to make sure all of your financial bases are covered.

Scenario 2: 'Surplus after expenses' appears

If you have more income coming in that won't change based on your coaching business's success, you'll see a new line: "Surplus after expenses".

It means that your expenses are already covered by existing, ongoing income. Everything from your coaching business is a bonus.

What do I do next?

Your take-home income target shows what your coaching business needs to pay you to support your life, or the version of life you want to build.

It gives you a steady baseline, even when your income isn’t consistent from month to month.

That baseline is what you refer back to when making pricing decisions - it's what keeps you in alignment with your goals.

Choose what to do next based on your situation:

Note sure what to charge yet?
- Calculate your coaching baseline hourly rate
Already charging hourly but still underpaid?
- See what you're really earning per hour
Busy, exhausted, and thinking about raising your prices?
- Find out how many clients you could afford to lose and still be okay