Developed and maintained by ProWorkstack · Development and review process
Plan an income reserve from collected revenue, entered business expenses and a user-verified reserve percentage.
Your results
Enter your inputs and select Calculate.
How this calculator works
Reserve base = max(collected income − verified expenses, 0). Reserve target = base × user-entered reserve fraction. Additional reserve = max(target − existing reserve for the same period, 0).Worked example
Collected income of 8,000 less 2,000 verified expenses gives a 6,000 base. A user-chosen 25% reserve is 1,500. If 1,000 is already set aside, add 500.Assumptions
Defaults are illustrative. Replace them with your own measured quantities and documented assumptions. Use matching periods and a consistent currency wherever monetary amounts are entered.Interpreting your results
This is a reserve scenario, not a tax return or an estimate of legally owed tax. No jurisdiction, deductions, tax bands, credits or filing deadlines are inferred. Verify the percentage and expense treatment with a qualified adviser.Calculation formulas
- base
MAX(income-expenses,0)- target
base*reserve/100- Extra money to set aside
MAX(target-saved,0)- Total reserve target
target- Income after entered expenses
base
Frequently asked questions
What should I check before using the result?
Separate collected income from unpaid invoices. Keep reimbursed costs, pass-through amounts and other adjustments on the basis your adviser has verified. The existing reserve should correspond to this calculation period.
Does this tool connect to my records?
No. This is a local calculation from the figures you enter. It does not scan accounts, import private records or verify legal, regulatory or exam requirements.
Maintained by ProWorkstack · Last reviewed: 2026-10-04 · Development and review process