Personal + Business Financial Control System
System Overview
This is your fully custom, detailed, and highly automated financial management framework. It is designed to provide real-time clarity, disciplined control, and efficient oversight for both personal and business cash flow operations.
Financial Command Center
Adjust the inputs below and the system will automatically recalculate your key financial metrics and allocation models for both personal and business cash flow.
Personal Inputs
Personal Snapshot
Personal Monthly Allocation Plan
The system allocates available income (after fixed bills) approximately as: 60% Spending, 25% Savings, 10% Future, 5% Buffer.
| Category | Amount / Month | Notes |
|---|---|---|
| Bills Account | $1,371 | All fixed obligations (rent, utilities, insurance, etc.) |
| Spending Account | $700 | Day-to-day variable spending aligned with your lifestyle |
| Savings Account | $300 | Automatic savings toward your long-term goal |
| Future Fund | $100 | Reserved for investments, big purchases, or opportunities |
| Buffer Reserve | $29 | Extra cushion for overages or adjustments |
With your current savings level, you are beyond a typical 3–6 month emergency fund and are now operating in a wealth accumulation phase.
Business Inputs
Business Snapshot
Optimized Business Allocation Model
Target structure uses approximate percentages: 75% Operating Expenses, 15% Owner Pay, 4% Tax Reserve, 3.5% Profit, 2.5% Growth Buffer.
| Category | Target Amount / Month | Purpose |
|---|---|---|
| Operating Expenses | $15,000 | Cap to reduce overhead and improve margin |
| Owner Pay (Target) | $3,000 | Strategic target for more consistent compensation |
| Tax Reserve | $800 | Dedicated funds for tax obligations |
| Profit | $700 | Intentional profit allocation to strengthen the business |
| Growth Buffer | $500 | Reserved for marketing, equipment, or strategic opportunities |
To sustain this model, the system targets a reduction in expenses or increase in revenue if your actual operating costs exceed the optimized operating expense cap.
Current Personal Expenses
Track your active bills, due dates, and remaining balance. Check items off as they’re paid to see your outstanding total drop.
| Paid | Expense Name | Creditor | Payment Date | Amount ($) |
|---|---|---|---|---|
Results Fitness Business Expenses
Track active business expenses, vendors, due dates, and remaining balance. Mark items as paid to update the outstanding total in real time.
| Paid | Expense Name | Vendor / Creditor | Payment Date | Amount ($) |
|---|---|---|---|---|
Owner Pay Transfers & Tax Tracker
Record each transfer from your business account to your personal account. The tracker will total transfers and estimate taxes based on a combined planning tax rate. For Pittsburgh, Pennsylvania LLCs, this is an estimate only—confirm your actual rate with your CPA or tax professional.
| Date | Note / Pay Description | Amount Transferred ($) |
|---|---|---|