Owner Pay & Profit Allocation

The bank balance is not your money — allocate every euro the day it lands, and pay yourself from the arithmetic rather than the mood.

What it is

What the owner takes out, decided by arithmetic instead of nerve. Strips revenue to the money that was actually yours, rebuilds the true cost including the bills that arrive once a year, sizes the tax reserve before the draw, and splits every euro on arrival into buckets that are real accounts rather than intentions. Leaves the fixed draw that survives a bad month, the trigger that raises it deliberately, and the flag for a business subsidised by its owner. For founders and practice owners paid last.

What you receive

a defensible answer to what the owner takes out — the affordable draw computed from the business's own trailing twelve months rather than from the bank balance, every euro allocated on arrival into named buckets with the tax reserve funded first, the fixed draw that survives a bad month plus the periodic profit distribution, and the quarterly review that raises the draw deliberately against a reserve target in months of cost

Delivered as a single, complete .md skill file — open it, paste it into any capable chat model, and work. No installation, no account with anyone but us.

Supported models

• Claude (Opus/Sonnet)
• ChatGPT (GPT-4o/5)
• Gemini
• any capable chat model

People reach for it when

• “how much should i pay myself from my own business”
• “how much can i take out of my company every month without killing it”
• “what percentage of revenue should i set aside for tax”
• “business is profitable but there is never any money in the account”
• “rules for owner drawings in a good month and a bad month”

Record

In the collection. The sale room is being fitted; this work goes on sale when it opens.

License

Free-shelf works ship under the DolceDrago House License — use the outputs freely, personal or commercial; the work file itself stays with the house.