FINANCIAL OPERATING SYSTEM
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STORM / SHUTDOWN FUND
Build a work-stoppage cushion
Set up your Storm / Shutdown Fund to see how many weeks you could cover if work stopped tomorrow.
DEBT SNAPSHOT
What you still owe
SAVINGS GOALS
What you have built
MONTHLY STATUS
This month
Bills left$0
Debt payments left$0
Savings left$0
Items complete0 / 0
REGULAR BILLS
Monthly bills
DEBT PAYMENTS
Payments and balances
SAVINGS + EXTRAS
Funding goals
FINANCIAL SETUP
Debt, bill and funding setup
Add or edit your recurring bills, debts, and funding goals. Every field stays labeled so you always know what goes where.
SMART PAYDAY SETUP
Weekly payment strategy
Bills
Debts
Savings goals
STORM / SHUTDOWN FUND
0 weeks
See how long your current fund could carry your essentials if work stopped tomorrow.
Current fund$0
Weekly survival cost$0
Target fund$0
0% of target
YOUR WORK-STOPPAGE PLAN
Build the cushion that fits your trade
Weekly survival cost uses recurring bills and minimum debt payments. You can also include the weekly living amount from Smart Payday Setup.
IF WORK STOPS TOMORROW
Your real-world runway
Add your fund amount to see your runway.
Monthly recurring bills$0
Monthly debt minimums$0
Weekly living money$0
Still needed for target$0
BUILT FOR REAL WORK
Not just an “emergency fund”
Rainouts
Know how long you can ride out bad weather and missed hours.
Plant shutdowns & layoffs
Measure your runway before the next job starts.
Slow season
Prepare for reduced hours or lost overtime.
Job ends unexpectedly
See exactly how many weeks of your essentials are already covered.
VEHICLE EXPENSE REPORT
Truck and vehicle expenses
| Date | Vehicle | Category | Amount | Miles | Reimbursable? | Notes |
|---|
HOTEL + WORK TRAVEL
Out-of-pocket lodging and travel
| Date | Type | Hotel / Vendor | City / State | Nights | Cost per night | Other cost | Total | Reimbursable? | Notes |
|---|
TOOL INVENTORY
Tools and equipment
| Tool | Brand | Serial number | Purchase cost | Replacement cost | Warranty | Location |
|---|
PAY + HOURS
Work information
NON-TAXABLE PAY
Per diem calculator
Calculated per diem$0.00
FEDERAL WITHHOLDING
Federal W-4 estimate
STATE WITHHOLDING
State tax estimate
DEDUCTIONS
Benefits and other deductions
ESTIMATED CHECK
Take-home breakdown
Estimated take-home$0.00
Regular pay$0.00
Overtime pay$0.00
Double-time pay$0.00
Other taxable pay$0.00
Taxable gross$0.00
Federal withholding-$0.00
Social Security-$0.00
Medicare-$0.00
State withholding-$0.00
Deductions-$0.00
Per diem$0.00
Other non-taxable pay$0.00
Planning estimate only. “Exempt” sets estimated federal or state income-tax withholding to $0, but Social Security and Medicare still apply unless a separate legal exemption applies. Confirm exemption eligibility with payroll or a tax professional.
OVERTIME PLANNER™
How many hours do I need this week?
Uses your tax setup, bills due before the next paycheck, debt minimums, living money, and checking cushion to estimate the minimum hours you need.
TAX SETUP
Use your real withholding setup
FICA (Social Security + Medicare) is estimated automatically. Federal/state exempt only changes estimated income-tax withholding; it does not automatically exempt FICA.
WHAT IF?
See what 40, 50, 55 or 60 hours looks like
Drag the slider to test any total hours.
$0.00 take-home
Enter your setup to see the result.
| Total hours | Est. take-home | After bills + minimums | After living + cushion | Status |
|---|
MINIMUM HOURS THIS PAY PERIOD
—
Add your pay and tax setup to calculate the hours needed to cover everything before your next paycheck.
Bills + debt minimums$0
Living money$0
Checking cushion$0
Required take-home$0
GOAL OT
How much OT to hit a debt goal?
Choose a debt and target date. We’ll estimate the extra take-home needed per paycheck and the total hours required while still protecting your bills, living money, and cushion.
—
Select a debt to build your OT payoff target.
Current debt balance$0
Paychecks until target0
Extra needed / paycheck$0
Target take-home / paycheck$0
HOW IT THINKS
Work enough. Keep your money.
1. Cover bills due
Bills and debt minimums due before the next paycheck come first.
2. Protect living money
Food, fuel, and normal weekly spending are protected.
3. Keep your cushion
The planner does not call you “covered” if it leaves your checking account at zero.
4. Put extra OT to work
Once the basics are protected, additional take-home can be aimed at your selected debt goal.
SMART PAYDAY™
Tell us what hit your account
Prioritizes bills due before the next paycheck, protects your cushion and living money, then uses Snowball or Avalanche for extra debt.
THIS WEEK'S RESULT
Your recommended plan
Money left after this plan$0.00
Available$0
Protected$0
Recommended$0
StrategySnowball
PAY FIRST
Bills due before next payday
DEBT PLAN
Minimums and target debt
OPTIONAL