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Business Owner Pay & Lifestyle Planner
From business revenue to lifestyle to what your savings grow into. Adjust any assumption — results update live. Uses 2025 Ontario rates.
Your Business
$50K$2M
$0$1M
$0$50K
$0$100K
$0$100K
Your Lifestyle
$0$200K
012
$0$25K
014
$0$300
$0$5K
Investing Assumptions
$0$2M
0%15%
140
Cash Flow: Business to Bank
Business revenue$250,000
Less: business expenses($56,000)
Corporate profit (excess cash flow)$194,000
Less: corporate tax($24,034)
Owner pay (salary + dividend)$172,966
Less: personal tax + CPP($19,562)
Net take-home$153,404
Optimized Pay Split
Salary$0
Dividend (non-eligible)$172,966
Corporate tax$24,034
Personal tax$19,562
CPP (employee + employer)$0
Lifestyle & Surplus
Net take-home$153,404
Lifestyle spending($64,240)
Annual surplus to invest$89,164
Savings rate58.1%
Monthly to invest$7,430
Savings Plan (priority order)
FHSA$8,000
TFSA$7,000
RRSP$0
Non-registered / taxable$74,164
Investment Growth (25 years)
Projected portfolio$4,891,949
Portfolio valueTotal contributed
Year 5$502,627
Year 10$1,175,255
Year 15$2,075,383
Year 20$3,279,957
Year 25$4,891,949
Growth (compounding)$2,662,845
Want expert help with these numbers?
*These calculations are estimates. Consult a CPA for advice specific to your situation.