Fund Allocation Calculator
Model how revenue is allocated across the Four Pillars (healthcare, education, housing, food), safe space partnerships, profit sharing, and growth investment at any revenue scale.
Purpose
This calculator helps you:
- Understand budget allocation at different company sizes
- Plan employee compensation and benefits (Four Pillars)
- Model safe space partnership funding
- Compare scenarios (aggressive profit sharing vs. sustainable growth)
- Ensure constitutional minimums are met (healthcare 12%, education 3%, safe spaces 2%, profit sharing 10%)
Interactive Calculator
Scenario Presets
Custom Inputs
Budget Allocation (% of Revenue) — Editable
Monthly Budget (Dollar Amounts)
| Category | Monthly Amount | % of Revenue |
|---|---|---|
| Platform Infrastructure | $83,333 | 1.00% |
| Payroll (Salaries) | $958,333 | 11.50% |
| Payroll Taxes & Insurance | $125,000 | 1.50% |
| Healthcare (Full Coverage) | $91,667 | 1.10% |
| Education & Development | $66,667 | 0.80% |
| Safe Space Partnerships | $416,667 | 5.00% |
| Four Pillars Emergency Fund | $83,333 | 1.00% |
| User Safety Programs | $83,333 | 1.00% |
| Growth Investment | $833,333 | 10.00% |
| TOTAL OPERATIONAL EXPENSES | $2,741,667 | 32.9% |
| PROFIT BEFORE SHARING | $5,591,666 | 67.1% |
| Profit Sharing to Employees (100%) | $5,591,666 | 67.1% |
Per-Employee Annual Breakdown
| Metric | Amount |
|---|---|
| Annual Salary | $135,000 |
| Annual Profit Share | $789,412 |
| Total Annual Compensation | $924,412 |
Key Insights
- ✅ Operational budget valid: 32.9% allocated to operations, 67.1% available as profit.
- ✅ Exceptional compensation: Each employee-owner earns $924,412/year total compensation.
How to Use
1. Load a Preset Scenario
Click Pilot, Growth, Enterprise, or Sustainable Growth to see pre-configured budgets.
- Pilot (7.5K/month): Early-stage startup with 2 employees
- Growth (75K/month): Mid-stage with 10 employees, improving margins
- Enterprise (8.3M/month): Large-scale operation with 85 employees, exceptional profit margins
- Sustainable Growth: Enterprise scenario with 22% profit retained for expansion vs. shared with employees
2. Adjust Custom Inputs
- Monthly Revenue: Drag slider or enter exact amount (5K - 10M range)
- Number of Employees: Scale the team (1-200 employees)
- Avg Salary Multiplier: Adjust mix of seniority (1.0× = 75K minimum, 3.0× = 225K maximum)
- Profit Sharing %: Choose between 100% (all profit shared) or 78% (sustainable growth model)
3. Read Results
- Budget allocation table: Each category as dollar amount and % of revenue
- Per-employee summary: Average annual salary, profit share, and total compensation
- Insights panel: Smart warnings and success indicators
Key Concepts
Four Pillars Budget
The calculator allocates revenue to ensure all employees have access to:
- Healthcare: 100% coverage of employee + family premiums
- Education: 5,000/year learning budget per employee
- Housing & Food: Funded through living wage minimum in payroll
- Emergency: Crisis support fund
Safe Space Partnerships
% of revenue allocated to community organizations providing crisis support:
- Pilot (7.5K): 2% = ~150/month for 1-2 local partners
- Growth (75K): 3% = ~2,250/month for 5-10 partners
- Enterprise (8.3M): 5% = ~416K/month for 150 national partners
Salary Bands
All salaries are multipliers of the 75K base (living wage minimum):
- 1.0× = 75K (entry-level employee-owner)
- 1.3× = 97.5K (mid-level)
- 1.6× = 120K (senior)
- 2.0× = 150K (lead/principal)
- 2.5-3.0× = 187.5-225K (executive, enforced 3× cap)
Profit Sharing
Minimum: 10% of net profit must be distributed to employee-owners equally.
Constitutional requirement: Cannot be voted down except to specific thresholds (75% vote required).
Examples:
- 100% sharing: All profit distributed immediately (no retained earnings)
- 78% sharing: 22% retained for expansion, 78% distributed (sustainable growth model)
Scenarios Explained
Pilot Phase ($7.5K/month)
Assumptions:
- 2 employee-owners at 1.2× multiplier
- Tight operating budget, minimal profit
- Building product-market fit
Key metrics:
- Total compensation: ~$67.5K/year
- Profit margin: Minimal (most revenue covers salaries + costs)
- Safe space funding: $150/month
Strategy: Focus on validation and retention. Profitability comes later.
Growth Phase ($75K/month)
Assumptions:
- 10 employees with mixed seniority (1.0× to 1.8×)
- Improving margins as infrastructure costs flatten
- Sustainable operations
Key metrics:
- Average compensation: ~$102K salary + $15K profit share
- Profit margin: ~30%
- Safe space funding: $2,250/month
Strategy: Scale team while maintaining healthy margins. Begin community partnerships.
Enterprise Scale ($8.3M/month = $100MM annual)
Assumptions:
- 85 employee-owners with 1.8× average multiplier
- Massive profit margins (68%) due to fixed cost efficiency
- Exceptional scale
Key metrics:
- Average compensation: $135K salary + $800K profit share = $935K/year per employee
- Profit margin: 68%
- Safe space funding: $416K/month to 150 organizations nationally
Strategy: Maximize employee wealth and community impact. Reinvestment in product is minimal.
Sustainable Growth ($8.3M/month, 78% profit sharing)
Same as enterprise except:
- 22% of profit retained for expansion ($1.06M/month = $12.8M/year)
- Profit sharing drops to $532K/year per employee (still exceptional)
- Total compensation: $667K/year (down from $935K)
Strategy: Balanced approach. Empower employees while maintaining healthy growth investment.
Constitutional Minimums
The calculator enforces these limits (cannot be voted down):
| Allocation | Minimum | Rationale |
|---|---|---|
| Healthcare | 12% of revenue OR full premium coverage | 100% employee + family coverage, zero cost to employees |
| Education | 3% of revenue OR $5,000/employee/year | Learning/development funding |
| Safe Spaces | 2% of revenue OR $1,000/month | Community safety partnerships |
| Profit Sharing | 10% of net profit | Equal distribution to all employee-owners |
| Living Wage | 75K minimum salary | All employees earn at least living wage |
| Salary Cap | 3× living wage (225K max) | Prevents executive bloat |
Common Questions
Q: Why is safe space funding low in the Pilot phase?
A: At $7.5K/month revenue, 2% = $150/month is still meaningful to small local orgs. It scales with revenue.
Q: At enterprise scale, why are healthcare/education < 3% and < 12%?
A: The calculator shows % of revenue. At massive scale, fixed per-employee costs become tiny percentages, but actual dollar amounts ($92K/month healthcare, $69K/month education) far exceed minimums. The constitutional intent (full coverage, $5K/employee) is met.
Q: Can we reduce the profit sharing %?
A: Only with a 75% employee vote, and not below 10% of net profit (constitutional minimum).
Q: What if our employee mix is different?
A: Use the "Avg Salary Multiplier" slider to adjust. Range 1.0× (mostly junior staff) to 3.0× (mostly senior).
Comparison with Other Docs
- ECONOMICS.md — Explains cost structure and revenue models (the "why" behind numbers)
- FUND_ALLOCATION.md — Full policy document with governance, amendment process, and philosophy
- PILOT_STRATEGY.md — Specific pilot plan with timelines and KPIs
Last Updated: 2026-01-11