---
title: "Profit Routing Calculator"
updated: "2026-05-01T08:00:00Z"
canonical: "https://www.havenstoneadvisory.com/resources/calculators/profit-routing"
---

# Profit Routing Calculator

Model how monthly profit gets routed into Tax, Reserves, Growth, and Wealth. See the long-term outcome.

## Profit Routing: The Basics

This framework routes profit by priority and adjusts after reserves hit target (maintenance + reroute).

- **4 buckets**: Tax, Reserves, Growth, Wealth — each has a job.
- **Reserves target**: Set a months-of-overhead goal and fund it until target.
- **Reroute after target**: After target, reserves drops to maintenance and freed % is rerouted.

## FAQ

- **What does "monthly extra profit (pre-tax)" mean?** Profit left after operating expenses, before income taxes.
- **How does the calculator decide the routing percentages?** It follows the HavenStone Profit Routing Cheat Sheet by level.
- **What is "reserves target"?** A months-of-overhead goal (e.g., 2–3 months) converted to dollars.
- **Does this tool guarantee tax savings?** No. It is an educational model. Confirm assumptions with your CPA/attorney.

Use the interactive calculator at: https://www.havenstoneadvisory.com/resources/calculators/profit-routing