Budget Model

Weekly take-home estimator · calibrated to your Dayforce stubs (pay dates 6/5 – 6/18/2026)

base $28.75/hr · OT $43.13/hr

Hours this week

Regular hoursfirst 40

Overtime hours1.5×

Holiday hourscounts toward 40

Sick hours

PTO hours

Assumptions

Base pay ratechange after a raise

/hr

Roth 401(k)% of gross

HSA this checkpre-tax

Expense reimb.not taxed

Coming off each check

Debt paymentsset on Debts tab

Living expensesset on Expenses tab

Send →

Left to spend

after net pay, minus what you set aside

Net cash per OT hour

+ $0 to your Roth

what one more overtime hour actually adds to your deposit

Cash across the week

Total hours	Gross	Net cash	Left to spend

How it's built. Every rate here was reverse-engineered from your 6/5, 6/12, and 6/18 stubs and reconciles to the penny: Social Security 6.2%, Medicare 1.45%, Grand Rapids resident 1.5%, Michigan 4.25% (after a $113.65/wk exemption), and federal at your current 12% withholding bracket. Roth, taxes, and FICA all key off your true taxable wage base (gross + $0.12 group-term-life − pre-tax medical/dental/vision/HSA).
How overtime is figured. OT (1.5×) starts past 40 hours, and holiday hours count toward that 40 — so 8 holiday hours drop your straight-time ceiling to 32 before OT kicks in. PTO and sick don't count toward the 40; they're straight-time add-ons that sit outside the overtime math.
Fixed every week regardless of hours: medical $188.56, dental $26.62, vision $3.29 (pre-tax), plus $13.83 of post-tax insurance (LTD, life policies, accident, critical illness, hospital indemnity, TM assistance) and your $11.54 phone stipend.
Roth is yours. The 6% deferral leaves your check but lands in your retirement account — it's savings, not a cost. That's why the OT card shows it separately.
Rent, repair, and debt sit below net pay on purpose. They're slices of your already-taxed take-home, so changing them never touches your taxes — only what's "left to spend." The debt line is the weekly slice (×12÷52) of the monthly total you set on the Debts tab, and since all three are fixed, every extra dollar of OT cash flows straight into spendable money.
Where it stops being exact. Above roughly 70 total hours in one week your annualized wages would cross into the 22% federal bracket, so this would slightly overstate take-home on those extreme weeks. It estimates withholding, not your final tax bill. Employer match, ER HSA, and ER health costs are employer-paid and never part of take-home.

Debt balances as of —

Edit any cell — projected balances, payoff months, and totals recalculate as you type. Arrow keys move between cells. The monthly payment total feeds the weekly debt line on your Paycheck tab.

Account	Type	Paid from	Balance	+1 month	+2 months	Min pmt	Extra	Due	APR	MPR	Months to pay

On your check $0/wk · $0/mo

How the projections work. The +1 / +2 month balances and months-to-pay come from standard amortization: each month, interest is the monthly rate (APR ÷ 12) on the current balance, and the rest of your payment knocks down principal. MPR is that monthly rate, shown for reference.
Extra payments accelerate payoff. Anything in the Extra column is added to that debt's monthly payment. Your two longest, lowest-rate balances (Fed, Sallie) are where rounding APR to a whole number matters most — type a precise APR (e.g. 3.7) to match a statement exactly.
It's take-home, not pre-tax. Debt payments come out of your already-taxed pay, so they show up on the Paycheck tab as a weekly share (monthly total × 12 ÷ 52), not as a deduction that lowers your taxes.
Saved when possible. Your edits persist on this device, so the table should still be here next time you open it.

Recurring bills. Pick how often each one hits and the model normalizes everything to a monthly and weekly figure — the weekly total feeds the "Living expenses" line on your Paycheck tab. Arrow keys move between cells.

Expense	Category	Paid from	Amount	Frequency	Due	Monthly	Weekly

On your check $0/mo · $0/wk

Frequency does the conversion. Enter each bill at whatever cadence it actually arrives — monthly, weekly, quarterly, or yearly — and the Monthly and Weekly columns normalize it. A $240/yr subscription becomes $20/mo; a monthly bill becomes its ×12÷52 weekly slice.
Variable bills. Electric and gas swing by season, so update those amounts as the real number lands, or enter a high-month estimate if you'd rather set aside a little extra in summer and winter.
Already on your check: your stub reimburses about $11.54/wk as a phone stipend, so your true out-of-pocket phone cost is the bill here minus that.
Saved when possible, same as the Debts tab.

What you own. Enter current values and the total feeds your net worth below — everything you own minus everything you owe on the Debts tab. Arrow keys move between cells.

Asset	Type	Held at	Value	Notes

Net worth $0 assets − $0 debt = $0

Assets are a snapshot, not cash flow. Your savings balance doesn't change what's free each week, so assets don't touch the Paycheck tab — they feed net worth instead (what you own minus what you owe).
Watch it climb. Each time you advance a month on the Debts tab, your balances drop and net worth rises on its own — assets stay put, debt shrinks.
Estimate the hard ones. For vehicles a quick market lookup is close enough; update occasionally. Cash and account balances are exact.
Saved when possible, same as the other tabs.

Budget Model

Where each check goes

Cash across the week