Quick definition: What actually lands in your personal bank account after business expenses, overhead, and self-employment taxes.
Owner take-home is the only number that matters for your personal finances. It answers the question: after everything, what did I really earn?
The formula: Net business profit − self-employment taxes (typically 15.3% in the US) − any personal taxes you owe = take-home.
Example: A $400,000 revenue year with $80,000 net profit, after ~$12,000 SE tax + ~$10,000 income tax = $58,000 take-home. Not bad — but a far cry from $400K.
JobPricer dashboard shows a projected take-home number based on your real overhead and a SE-tax rate you set (default 25% covers most US solo contractors). It updates monthly as you log revenue.