Yearly amounts, after-tax. What you need to take home.
Software, insurance, contractors, equipment, anything the business pays for. Profit is what the business keeps after expenses and your pay, which is your buffer.
Your pay before tax, plus retirement. Built from your personal section above.
Whatever you don’t spend on marketing, sales, admin and buffer time is left for client work. Buffer time covers overruns, revisions and the unexpected.
This is an estimate to guide your pricing, not tax or financial advice.