US Small Business Budget Calculator

Detailed Monthly Budget

90-Day Budget Action Plan

• Stabilize the monthSeparate owner draw, tax reserve, payroll taxes, debt, and core operating costs so the real monthly cash picture is visible before growth decisions are made.
• Control labor at the sourceUse accurate time tracking, scheduling, overtime review, and job costing so payroll spend follows the work instead of drifting after the fact.
• Fund the next moveBuild a reserve target, compare actual spending to break-even sales, and decide whether the next dollar should go to hiring, marketing, inventory, or debt reduction.

Small Business Budget FAQ

Sources and Modeling Notes

• 2026 employer FICA defaultsIRS Publication 15 (2026) lists 6.2% Social Security for employer and employee up to the $184,500 wage base, plus 1.45% Medicare with no wage base limit.
• FUTA defaultIRS Topic 759 explains the 6.0% FUTA rate on the first $7,000 of wages and the common 0.6% net rate when the maximum state credit applies.
• Expense categoriesSBA startup-cost guidance groups common expenses such as office space, equipment, utilities, insurance, salaries, advertising, market research, and websites.
• Business recordsIRS Publication 583 emphasizes tracking income, expenses, payroll, supporting documents, and records needed for tax reporting.
• TimeTrex payroll fitTimeTrex payroll connects payroll, tax calculations, pay schedules, time data, deductions, and employee self-service for small business operations.
• Labor visibilityTimeTrex time and attendance helps businesses track employee hours, breaks, schedules, accruals, and location-aware clock-ins.

Disclaimer: This Small Business Budget Calculator is provided for informational and educational purposes only and is intended to help estimate potential business revenue, expenses, payroll costs, cash flow, break-even points, and budgeting scenarios based on user-entered assumptions. Results are estimates only and may not reflect actual financial, tax, payroll, accounting, legal, or regulatory obligations. Payroll taxes, benefits, workers’ compensation premiums, unemployment insurance rates, industry-specific costs, and other expenses can vary significantly by location, business structure, workforce composition, and changing laws. TimeTrex does not guarantee the accuracy, completeness, or suitability of any calculations or projections generated by this tool. Users should independently verify all assumptions and consult qualified accountants, payroll professionals, tax advisors, financial consultants, or legal counsel before making business, financial, hiring, compensation, budgeting, or compliance decisions based on calculator results.