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Annual Budget Calculator

Model a year of revenue, contribution costs, fleet allowances, admin payroll, and fixed cash uses before owner withdrawals and taxes.

Last updated: April 30, 2026

Planning target example
15–25%
Illustrative revenue
$250K
Budget model
Cash

Configure the model.

Adjust the operator variables, then read the live result panel.

$50,000$2,000,000
20%80%
120
$0$500,000

Loaded office/dispatcher/bookkeeper pay, including employer costs. Exclude owner draws and driver/helper costs already in contribution. Count owner wages in only one applicable category.

$0/mo$10,000/mo

Truck type changes the illustrative monthly vehicle allowance. An entered per-truck override replaces it; no costs transfer from another calculator.

Annual Cash Budget

Modeled annual cash remainder before owner withdrawals and taxes

$17,512.00/year
Contribution before listed fixed cash uses$137,500.00/year
Annual fleet vehicle cash allowance$26,400.00/year
Annual rent, marketing, software and admin allowance$18,588.00/year

Applied assumptions

  • 2 box-16ft truck(s) at $1,100.00/truck/month (illustrative preset). Annual fleet allowance: $26,400.00.
  • Monthly rent $0.00, software $299.00, marketing $1,000.00, and other admin $250.00 (illustrative).
  • Annual admin/office payroll: $75,000.00 loaded employer cost. Crew and driving-owner costs belong in the entered contribution margin; owner draws and taxes are outside this cash remainder.
See result details
Entered annual revenue
$250,000.00/year
Modeled cash remainder as a share of revenue
7.00%
Variable cash costs included in contribution margin
$112,500.00/year
Loaded administrative employer cost; crew and draws excluded
$75,000.00/year
Total listed fixed cash uses
$119,988.00/year
  • Cash remainder is below 10% of revenue in this scenario. This illustrative notice is not a profitability benchmark.
Assumptions used (7)
  • $250/mo separate admin allowance
  • 55% contribution margin
  • Illustrative allowance per truck/month: $450.00 payment OR replacement reserve + $350.00 auto insurance + $300.00 maintenance. Replace with actual nonoverlapping costs; general liability and other business insurance are separate.
  • Revenue capacity is not checked. General liability and other business coverage are excluded unless included once in the entered admin allowance.
  • Annual cash planning, not an accounting P&L: vehicle allowance may include principal payments or a replacement reserve. Depreciation, tax, interest separation, owner withdrawals, and cash timing are not calculated.
  • Contribution costs include crew and driving-owner wages, employer taxes/benefits/workers compensation, fuel, disposal, and variable fees once. Admin wages and fixed truck allowance are separate.
  • Owner draws are distributions, not payroll expense. Cash remainder is before withdrawals and income tax; add a separate owner-income target in Revenue Target only if owner compensation is not already included.

Using the calculator

About the Annual Budget Calculator

What this calculator helps you decide

Enter projected annual revenue, contribution margin, truck count, loaded admin/office payroll, and monthly marketing. The headline is a modeled annual cash remainder before owner withdrawals and income taxes.

Use it to compare the same business with different revenue and listed cost scenarios.

Inputs to keep realistic

Review the selected truck type and current monthly allowance per truck, plus rent, software, and other admin costs in advanced inputs. An entered truck or admin override replaces its respective illustrative allowance.

Contribution margin already includes variable crew and driving-owner costs. The separate payroll input is loaded admin/office pay, so count each cost once.

How to use the result

Read the cash remainder with the contribution, annual fleet allowance, and overhead summaries. A warning appears if listed cash uses exceed contribution or the remaining share is low under the model’s existing illustrative threshold.

The calculator does not test whether the entered fleet can deliver the projected revenue.

Estimate limits and local checks

This is annual cash planning, not an accounting profit-and-loss statement. Vehicle cash allowances may include a payment or replacement reserve; depreciation, tax, interest separation, cash timing, and owner withdrawals are not calculated.

General liability and other business insurance need a nonoverlapping entered allowance if you want them included.

“Built ScaleYourJunk after identifying that junk removal operators were stuck using generic field service tools that didn't match their workflows. Every calculator on this site uses real industry data and operator-validated assumptions.”

Jamal IqbalFounder, ScaleYourJunk

FAQ

What does the headline represent?

It is the modeled annual cash remainder after the entered contribution margin and listed fixed cash uses, before owner withdrawals and income taxes.

Where do crew wages go?

Crew and driving-owner wages belong in the entered contribution margin. The annual payroll control is for loaded admin/office employer cost.

Can I transfer Employee Cost results here?

No values transfer automatically. Enter compatible costs manually and avoid counting crew costs again in admin payroll.

Is this an accounting P&L?

No. It is a cash planning scenario and does not separate interest from principal, calculate depreciation or tax, or model cash timing.

Turn the estimate into operating data

Use the calculator for planning, then keep jobs, customers, invoices, payments, and reporting connected in ScaleYourJunk.