Educational only: Work and pay decision support, not tax, legal, financial or career advice.
Privacy: No account is required. Tool inputs and results stay in this browser. Anonymous categorical usage analytics send only governed page, tool, cluster and action identifiers; tool inputs and results are never sent. Error monitoring is disabled. Optional saved state stays only on this device.
Update policy: Reviewed when formulas or official dependencies change.
Scope: Market-neutral work and pay planning using your own assumptions.
What this calculator helps you decide
Best for
People putting two to eight income streams on one annual work-value basis.
Outputs
Annualized gross, net work value, committed hours and effective hourly value.
Start here
Choose the active stream count and enter each pay basis and committed time.
- Close-intent boundary
- Do not use this to calculate aggregated tax; use Second Job Worth It Calculator for one additional paid job.
Value raises and extra income
Multiple Income Stream Pay: annualized gross
Annualized gross, net work value, committed hours and effective hourly value.
Income streams and annual work costs
Choose two to eight streams and enter each pay basis and committed time.
Your numbers stay in this browser
Use between two and eight entered streams.
Pay amount for this stream and selected basis.
Choose annual, monthly or weekly for this stream.
Committed hours for one selected pay period.
Pay amount for this stream and selected basis.
Choose annual, monthly or weekly for this stream.
Committed hours for one selected pay period.
Additional active streams, deductions and costsOnly fields used by the selected number of streams and pay bases are shown.
Pay amount for this stream and selected basis.
Choose annual, monthly or weekly for this stream.
Committed hours for one selected pay period.
Weeks per year, used only for a weekly stream.
Your own aggregate deduction assumption; no tax rule is inferred.
Direct work costs across the entered streams.
Calculated result
The engine returns 56,000 gross, 48,000 net and 18.82 per committed hour.
Use one currency consistently across all inputs.
PDF and CSV exports stay on this device. Clean page links contain no inputs.
Scenario comparison
Each row names the assumption axis changed from the baseline.
ScenarioResultDifference
Entered scenario48,000.00Baseline
Annual user-entered deductions: 6,300.00 currency units47,700.00-300.00
Save these results, change an input, then compare the updated figures with this baseline.
The baseline is temporary in this tab and is not added to shared scenario links or generated reports.
Calculation details
View calculation detailsView the formulas and inputs used for these results.
Annual net work value
Annual net work value
netWorkValue = totalGross − annualUserDeductions − annualDirectCosts48,000.00 currency unitsResult48,000.00 currency units
Annualized gross across active streams minus entered deductions and direct costs. Displayed using the engine-rounded value.
Annual net work value formula →Total annualized gross
Total annualized gross
totalGross = sum(active stream amount × periods per year)56,000.00 currency unitsResult56,000.00 currency units
Sum of each active stream annualized from its selected basis. Displayed using the engine-rounded value.
Total annualized gross formula →Effective hourly work value
Effective hourly work value
effectiveHourlyValue = netWorkValue ÷ totalCommittedHours18.82 currency unitsResult18.82 currency units
Net work value divided by total committed hours. Displayed using the engine-rounded value.
Effective hourly work value formula →Total annual committed hours
Total annual committed hours
totalCommittedHours = sum(active stream hours × periods per year)2,550Result2,550
Sum of annualized hours for active streams. Displayed using the engine-rounded value.
Total annual committed hours formula →Inputs used
- Number of income streams
- 3
- Stream 1 pay
- 40,000.00 currency units
- Stream 1 pay basis
- 0
- Stream 1 hours
- 2,000
- Stream 2 pay
- 500.00 currency units
- Stream 2 pay basis
- 1
- Stream 2 hours
- 25
- Stream 3 pay
- 200.00 currency units
- Stream 3 pay basis
- 2
- Stream 3 hours
- 5
- Stream 3 weeks
- 50
- Annual user-entered deductions
- 6,000.00 currency units
- Annual direct costs
- 2,000.00 currency units
Open this calculator with preset values
This calculator supports documented, shareable scenario URLs. Compatible assistants and applications can construct links using the parameters below.
Scenario values are visible in the URL, calculations run in the browser, and optional saved state stays only on this device. Anyone you share the URL with can read those numbers, so do not include private or identifying data.
| Parameter | Meaning | Unit | Allowed values | Presence | Default |
|---|---|---|---|---|---|
| streamCount | Use between two and eight entered streams. | streams | 2 to 8 | Required | 3 |
| stream1Amount | Pay amount for this stream and selected basis. | currency units/period | 0 to 100000000 | Required | 40000 |
| stream1Basis | Choose annual, monthly or weekly for this stream. | basis selector | 0, 1, 2 | Required | Annual |
| stream1Hours | Committed hours for one selected pay period. | hours/period | 0 to 8760 | Required | 2000 |
| stream1Weeks | Weeks per year, used only for a weekly stream. | weeks/year | 1 to 53 | Required | 52 |
| stream2Amount | Pay amount for this stream and selected basis. | currency units/period | 0 to 100000000 | Required | 500 |
| stream2Basis | Choose annual, monthly or weekly for this stream. | basis selector | 0, 1, 2 | Required | Monthly |
| stream2Hours | Committed hours for one selected pay period. | hours/period | 0 to 8760 | Required | 25 |
| stream2Weeks | Weeks per year, used only for a weekly stream. | weeks/year | 1 to 53 | Required | 52 |
| stream3Amount | Pay amount for this stream and selected basis. | currency units/period | 0 to 100000000 | Required | 200 |
| stream3Basis | Choose annual, monthly or weekly for this stream. | basis selector | 0, 1, 2 | Required | Weekly |
| stream3Hours | Committed hours for one selected pay period. | hours/period | 0 to 8760 | Required | 5 |
| stream3Weeks | Weeks per year, used only for a weekly stream. | weeks/year | 1 to 53 | Required | 50 |
| stream4Amount | Pay amount for this stream and selected basis. | currency units/period | 0 to 100000000 | Required | 0 |
| stream4Basis | Choose annual, monthly or weekly for this stream. | basis selector | 0, 1, 2 | Required | Annual |
| stream4Hours | Committed hours for one selected pay period. | hours/period | 0 to 8760 | Required | 0 |
| stream4Weeks | Weeks per year, used only for a weekly stream. | weeks/year | 1 to 53 | Required | 52 |
| stream5Amount | Pay amount for this stream and selected basis. | currency units/period | 0 to 100000000 | Required | 0 |
| stream5Basis | Choose annual, monthly or weekly for this stream. | basis selector | 0, 1, 2 | Required | Annual |
| stream5Hours | Committed hours for one selected pay period. | hours/period | 0 to 8760 | Required | 0 |
| stream5Weeks | Weeks per year, used only for a weekly stream. | weeks/year | 1 to 53 | Required | 52 |
| stream6Amount | Pay amount for this stream and selected basis. | currency units/period | 0 to 100000000 | Required | 0 |
| stream6Basis | Choose annual, monthly or weekly for this stream. | basis selector | 0, 1, 2 | Required | Annual |
| stream6Hours | Committed hours for one selected pay period. | hours/period | 0 to 8760 | Required | 0 |
| stream6Weeks | Weeks per year, used only for a weekly stream. | weeks/year | 1 to 53 | Required | 52 |
| stream7Amount | Pay amount for this stream and selected basis. | currency units/period | 0 to 100000000 | Required | 0 |
| stream7Basis | Choose annual, monthly or weekly for this stream. | basis selector | 0, 1, 2 | Required | Annual |
| stream7Hours | Committed hours for one selected pay period. | hours/period | 0 to 8760 | Required | 0 |
| stream7Weeks | Weeks per year, used only for a weekly stream. | weeks/year | 1 to 53 | Required | 52 |
| stream8Amount | Pay amount for this stream and selected basis. | currency units/period | 0 to 100000000 | Required | 0 |
| stream8Basis | Choose annual, monthly or weekly for this stream. | basis selector | 0, 1, 2 | Required | Annual |
| stream8Hours | Committed hours for one selected pay period. | hours/period | 0 to 8760 | Required | 0 |
| stream8Weeks | Weeks per year, used only for a weekly stream. | weeks/year | 1 to 53 | Required | 52 |
| annualUserDeductions | Your own aggregate deduction assumption; no tax rule is inferred. | currency units/year | 0 to 100000000 | Required | 6000 |
| annualDirectCosts | Direct work costs across the entered streams. | currency units/year | 0 to 100000000 | Required | 2000 |
Multiple Income Stream Pay: annualized gross
Use effective hourly value only after checking each active stream basis and time.
Formula summary
- Primary formula
- netWorkValue = totalGross − annualUserDeductions − annualDirectCosts
Data used here
- The estimate uses your inputs and the work-value formula documented in the methodology.
Decision checks
Act on the result
Remove overlapping hours and confirm aggregate deductions and direct costs.
Stress-test the decision
Retest the largest stream and total committed hours.
When this estimate can be misleading
- No tax aggregation, employment classification or withholding is inferred.
- Overlapping hours and double-counted costs must be corrected by the user.
- Use effective hourly value only after checking each active stream basis and time.
Educational estimate, not advice. See all assumptions & limitations →
Related reading
Use these practical guides to interpret the decision and its assumptions.
- How to use the Multiple Income Stream Pay calculator
Annualize user-entered income streams, deductions, costs and committed time without tax inference.
Read guide
Frequently asked questions
What do my entered income streams equal annually after costs and committed time?
Remove overlapping hours and confirm aggregate deductions and direct costs.
Which official source and period does this use?
This market-neutral tool does not use an official local policy rule.
Can I share or save a scenario?
Tool inputs and results stay in this browser. Anonymous categorical usage analytics send only governed page, tool, cluster and action identifiers; tool inputs and results are never sent. Error monitoring is disabled. Optional saved state stays only on this device.
How should I use the calculated result?
Treat the calculated result as one scenario, then verify the input record with the greatest effect on that result.