Profit & Payroll
Calculator.
Punch in your numbers. See your Profit First buckets, what your paycheck should look like, and exactly how much you're leaving on the table.
— Your numbers
No state income tax — more goes to Profit.
Revenue band
C: $500k – $1M
— Profit First buckets
Profit
$135,000
18% / yr
Owner's Pay
$150,000
20% / yr
Tax
$112,500
15% / yr
Ops / Payroll
$352,500
47% / yr
— Your paycheck
Should-be monthly
$12,500
Should-be annual
$150,000
You're underpaying yourself by $90,000/yr
≈ $7,500 more in your pocket every month
S-Corp bonus: structuring ~$45,000 of that Owner's Pay as distribution instead of W-2 wages could save another ~$6,885/yr in self-employment tax.
— Want to actually keep it?
The calculator shows the gap.
A 20-min call closes it.
Matt will look at your real numbers, flag the IRS / classification risks the calculator can't see, and show you the 1–2 moves that usually save another $8,000–$20,000/yr on top of what you just calculated. No pitch. No pressure.
— Founder story
Built by blue-collar, for blue-collar.
Profit First Payroll was founded by Matt Frechette, who brings 20+ years of hands-on experience in blue-collar environments. He's seen shops thrive — or unravel — because of poor cash flow, inconsistent owner pay, late crew checks, and workers' comp audit nightmares. PFP is built explicitly for trades and labor-heavy businesses: proper crew classification, project-based volatility, and protecting profit in high-risk industries.