Start with what remains. Plan what comes next.
Disposable Income & Overtime Budget connects a monthly budget to an extra-work scenario. It helps answer “What is left after the bills I enter?” and “How many more hours could help with my next monthly goal?”
Designed for USD estimates and English-speaking hourly workers, it also accepts known take-home pay as a budget baseline. You supply pay, deduction, and cost assumptions.
Scope and funding
This version has no advertising, bank connections, accounts, or tax engine. Calculations run in your browser. It estimates average monthly scenarios; it does not determine overtime eligibility or guarantee actual take-home pay or savings.
Optional usage counting is described in our Privacy Policy. A future release may use advertising to support maintenance; any change will be disclosed before ads are introduced.
Who maintains this tool
Maintained by Siyue Tech. For calculation corrections, accessibility issues, or privacy questions, contact [email protected].
Read the formulas and worked examples →