Updated
20 days × $665 a day, minus $0 already saved, is $13,300.00 still to set aside. Across 12 months that gap is $1,108.33. Across 24 invoices it is $554.17.
Cost is days × the day rate. The gap, which is the number in the big result, is max(0, cost − savings). The opening gap is max(0, 20 × $665 − $0) = $13,300.00. Monthly reserve is that gap ÷ 12, which is $1,108.33. Per invoice is the gap ÷ 24, which is $554.17. If $800 is already saved, the gap falls to $12,500.00. Savings do not change the funded day rate.
Uplift is the percent the day rate has to rise so the working days that remain still cover a full year at the old rate: work ÷ (work − days off) − 1. On 230 working days and 20 days off that is 9.52%, and the funded day rate is $728.33. Thirty days off at $500, 240 working days, 12 invoices, and $2,000 saved is a $15,000 cost, a $13,000 gap, $1,083.33 a month, $1,083.33 per invoice, a 14.29% uplift, and a funded rate of $571.43.
If working days are not greater than days off, the note says working days must exceed days off and the uplift line is hidden. This calculator does not schedule the days and it does not move money.
Pair it with quarterly estimated tax, the day rate guide, and the sprint price. Per-image price opens at $9.00.
Worked example: max(0, 20 × $665 − $0) = $13,300.00. Planning math from the numbers you enter.