Turn fluctuating revenue into a reliable salary
A guided audit and take home pay calculator designed for online service pros, helping you set a consistent salary, calm your nervous system, and stop raiding your business account every time a bill hits.
Within an hour, you will know your real take home number, see whether your current income can support it, and understand what needs to shift so your business can pay you like a grown up, not an afterthought.
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A clear salary calculation
The calculator gives you a clear take home figure you can build around, instead of hoping you guessed right every time you move money.
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A flexible payday plan
You will map out when your bills hit, then design a pay schedule that matches them, weekly, fortnightly, or monthly, so your salary feels calm and predictable.
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Buffer building basics
The first pieces of the buffer system I teach inside Six Figure Safety, so your pay can stay steady even when income is a little wobbly.
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Reflection prompts and next moves
Simple questions to help you decide what to adjust, what to keep, and whether your current business model can actually fund the life you want.
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A real life cost snapshot
You will total what your life actually costs each month, not a minimalist version, the one that includes joy, kids, skin care, and the odd Deliveroo.
You are exactly who I had in mind if:
- You are an online service provider, coach, creative, strategist, or consultant, and your income is not a neat fixed salary
- The question “how much should I pay myself from my business” lives rent free in your head, but you never feel confident in your answer
- You have had months where you hit five figures in revenue, but your personal bank account does not show it
- You are constantly recalculating in your head, if I sign two more clients I can pay myself X, if that retainer cancels I need to cut back on Y
- You keep dipping into your tax pot, savings, or credit when a heavy week of bills hits
- You know you are smart and capable, but money still feels more chaotic than you are comfortable admitting
- You keep promising you will “get on top of your finances when things calm down”, but things never really calm down
- You swing between over saving, hoarding cash in the business, and impulse spending because you feel deprived
Hey, I'm Emilie, your financial safety hype woman
Since 2020 I have supported more than a thousand women in changing how they feel and act around money. My background is in financial advice and online business, so I live at the intersection of proper strategy and real life chaos.
I have ADHD, so I know exactly what it is like when your money system is just vibes in your head and a stack of unopened banking notifications. The tools I teach are built to be realistic and forgiving, not perfect.
I am also a toddler mum who built a six figure net worth while pregnant, on maternity leave, and running a business on about ten hours a week. I did not hustle my way there, I structured my way there.
I started from scratch: £1,300 take-home a month, splitting rent 50/50, trying to build a business between corporate hours. Now I pay myself £3k/month working part time, with savings, investing, and breathing room.
I have maxed cards. I have cried over bills. I have avoided my own accounts.
This calculator is one of the first tools I use with clients inside Six Figure Safety to move them out of that chaos and into real financial safety. You get to start that process here, for free.
From knowing the number to building the system
For a lot of people, this calculator is the first time they have seen their real salary needs in one place. Sometimes the number feels higher than expected. Sometimes it just confirms the quiet dread you already had. Either way, it explains a lot.
You will walk away from this tool with more clarity than most business owners ever give themselves. That alone can change how you make decisions.
If you want help turning that take home pay number into a full profit plan, pay rhythm, buffer system, and long term wealth strategy, that is what we do inside Six Figure Safety. This is the first step in that process. The program is where you get full support to actually build it out.
Quick answers on paying yourself from your business
How much should I pay myself from my business?
There is no single right percentage for everyone. How much you should pay yourself from your business depends on what your life costs, how much profit the business makes, and how much safety you want to build in. The calculator helps you map your real monthly expenses, choose an ideal take home number, then see what your business needs to earn to support that consistently. It is a personalised answer, not a random rule.
How much should I pay myself if I am self employed?
If you are self employed, you are usually taking drawings rather than a salary in the traditional sense. The question is still the same, what do you need to live, save, and feel comfortable, and can your business reliably generate enough to fund that. The calculator helps you find that baseline number, then guides you to shape your pricing, offers, and paydays around it, so your drawings become intentional rather than reactive.
How much should I pay myself from my limited company?
If you run a limited company, your pay might be a mix of salary and dividends. The exact split is something to check with your accountant for tax efficiency, but the starting point is still your real take home needs. The calculator helps you work out how much you want to receive personally each month, so you and your accountant can then decide how to structure that between salary and dividends in a way that makes sense for you.
Can I use this if my revenue/sales is all over the place?
Yes. The Take Home Pay Calculator is built with fluctuating income in mind. Instead of assuming a fixed monthly paycheck, it helps you create a clear salary target and an Overflow buffer, so you can smooth the ups and downs. You might pay yourself the same amount each month, even if your business income changes, and use your buffer to fill the gaps.
Will this tell me exactly what I have to earn?
It will not boss you around, but it will give you a very clear picture. Once you plug in your real life costs and ideal take home pay, you will see what revenue your business needs to bring in to make that feel sustainable. From there, you can make informed decisions about pricing, capacity, offers, and sales instead of guessing.
