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| Date | Category | Description | Amount |
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💡 Budget rolls over automatically — your categories & amounts carry forward each month. Use the button below to copy a specific month's setup here.
Pay & tax setup
| Item | Monthly | Wk 1 | Wk 2 | Wk 3 | Wk 4 |
|---|---|---|---|---|---|
| Hourly rate ($) | — | ||||
| Hours / week | |||||
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| Last / next pay date | |||||
| Net Spendable | — | — | — | — | — |
Fixed expenses
| Expense | Due | Monthly | Wk 1 | Wk 2 | Wk 3 | Wk 4 |
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Variable expenses
| Expense | Due | Budget | Wk 1 | Wk 2 | Wk 3 | Wk 4 |
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| Service | Billing | Amount | Bill date | Mo. equiv. | Annual | Status | Keep? |
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Strategy
Highest APR first
Debts
| Name | Balance | APR % | Min payment | Actual paying | Frequency & Due | Est. payoff | Priority | Status | Delete |
|---|
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Due dates: Q1→Apr 15, Q2→Jun 15, Q3→Sep 15, Q4→Jan 15.
How contractor taxes work in Montana (2025 figures)
As a self-employed contractor, you pay taxes on your own — no employer withholds for you.
As a self-employed contractor, you pay taxes on your own — no employer withholds for you.
Self-Employment (SE) Tax
Rate: 15.3% on 92.35% of net earnings.
Formula: SE Tax = gross × 0.9235 × 0.153
You can deduct 50% of SE tax from your federal taxable income.
Federal Income Tax (2025 brackets, single filer)
| Taxable income | Rate |
|---|---|
| $0 – $11,925 | 10% |
| $11,926 – $48,475 | 12% |
| $48,476 – $103,350 | 22% |
| $103,351 – $197,300 | 24% |
| $197,301 – $250,525 | 32% |
| $250,526 – $626,350 | 35% |
| Over $626,350 | 37% |
Standard deduction: $14,600 (2025 single).
Montana State Income Tax (2025)
| Taxable income | Rate |
|---|---|
| $0 – $21,100 | 4.7% |
| Over $21,100 | 5.9% |
Montana standard deduction: $15,750 (2025 single).
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