EFTERA • MONEY MAP

The EFTERA Money Map

Know what the job is worth. Run the real numbers, compare the work, and see what the job can actually move.

Your numbers stay in this browser on this device. Nothing is uploaded anywhere.

YOUR DASHBOARD

You ran the call. Here is what the job is actually worth.

Projected Job Total = estimated take-home wages + LOA/sub − the work costs you entered.
Projected Job Total$0after estimated tax + entered work costs
Value / Workday$0
Goals Funded0%
Between-Jobs Runway0.0 mo

PROJECTED TAKE-HOME — WHOLE JOB

Estimated after deductions + LOA/sub$0Before entered work costs and before assigning money to goals.

ESTIMATED EARNINGS BY PAY WEEK

This shows when the work is earned. Payroll cutoff may change when the deposit lands.

Pay weekDaysGross wagesLOA / subEst. take-home

YOUR MONEY BLUEPRINT

These numbers are built from your monthly expenses — you do not need to know your monthly number before you start.
Bare-Bones Monthly Number$0keep-the-lights-on number
Normal Monthly Number$0what regular life actually costs
3-Month Runway Target$0
6-Month Runway Target$0

TIME COST

Rotation—
Days Off / Rotation0
% of Calendar Days Working0%
Total workdays in planned job0
Total scheduled days off during planned job0
Plain-English reality—

The call

Employer / project—
Hourly wage$0
Rotation—
Total workdays0
Total job costs$0
Calendar weeks0

Where the money goes

Early-finish reality

StageProjected Job TotalFinish line funded
Already did your EFTERA Reality Check?
Bring your real-life number with you. Money Map uses it as your financial floor so you can see whether this job actually supports the life you already have.

Reality Check Numbers

You do not need to know your monthly number. Enter life the way you actually pay for it — EFTERA does the tallying.

YOUR HOUSEHOLD

Add the people this Blueprint needs to account for. Household expenses are counted once; individual expenses can be assigned to one or more people.

EXPENSE BUILDER

Open a category, add what applies, and enter each expense exactly how you pay it.

RECURRING INCOME & COST OFFSETS

Keep these visible instead of hiding them as negative expenses. Reliability matters.

YOUR MONEY BLUEPRINT

Gross Bare-Bones Cost$0essential household obligations
Gross Normal-Life Cost$0what real life actually costs
Reliable Income / Offsets$0recurring money you can reasonably count on
Variable Side Income$0useful, but not treated as guaranteed
Net Bare-Bones Number$0what main employment still needs to cover
Net Normal Monthly Number$0normal life after reliable offsets
3-Month Runway Target$03 × net bare-bones number
6-Month Runway Target$06 × net bare-bones number
Normal annual life cost$0
Normal number after typical variable side income$0

WHERE YOUR LIFE COSTS GO

No judgement. Just the monthly equivalent by category.

CategoryMonthly% of normal life
No shame math. Amazon, lashes, hockey, Disney+, DoorDash, therapy, banking fees — if money leaves your household for it, it belongs somewhere in the Blueprint.

THE CALL

Before you take the call, run The Call. Enter the actual offer — not the lunchroom version.

SIMPLE PAY SETUP

Tell EFTERA how a normal shift pays, then add any whole-day premium rules.

EFTERA does not assume a province, state, country, union, or statutory minimum. Enter the pay rules that actually apply to this job.

Use this when the day off matters to OT/DT. EFTERA skips these days when building the rotation.
Applied to the final workdays in the rotation. Great for CCW/CWW patterns.
Pay-rule priority: a whole OT/DT weekday overrides the normal shift. If no whole-day rule applies, split-pay days override the normal shift for the final workdays in the rotation. Example: 3 straight 12s + 3 days of 6 OT / 6 DT.
Use a 3-letter code such as CAD, USD, AUD, GBP or EUR. Compare jobs in the same currency.
Your level is descriptive — your actual hourly rate drives the math.
Enter the rate you will actually be paid on this call.
Enter either dollars per hour or a percentage of base wage.
Either way, the resulting role rate is multiplied at OT/DT.
Applied to every hour worked.
Enter the percentage actually paid on top of wages by the employer, agreement, or local rules. Leave 0 if none, unknown, or already included.
Leave off when the night premium stays flat.
Enter 35 for 35%. This is an estimate, not a tax calculation.

Live pay snapshot

Take-home + LOA / rotation$0
Take-home + LOA / whole job$0
Average cash / workday before job costs$0

Job Costs

Count the costs created by earning the cheque.

Recurring cost per rotation

One-time job costs

Recurring cost / rotation$0
Total job costs$0
Projected Job Total / whole job$0
Job-cost drag0%
LOA/sub is not automatically profit. First ask what it has to pay for.

The Map

Set the goal, then decide how much of this job you want to put toward it.

GOALS THIS JOB CAN MOVE

Your goal can be bigger than this job. EFTERA shows how much progress this work could make.

GoalTotal goal $From this job $Goal funded

OTHER JOB MONEY

These do not need a lifetime target. Just decide how much of this job you want available for them.

BucketFrom this job $% of job total

PLAN CHECK

Projected job total$0
Total assigned$0
Still available / over plan$0
You do not need to know percentages. Enter the dollar amounts you want this job to accomplish; EFTERA calculates the progress for you.

Between-Jobs Runway

Good hours should buy you options later.

MONTHLY BASELINE — PULLED FROM YOUR MONEY BLUEPRINT

Bare-bones monthly number$0
Normal monthly number$0
3-month runway target$0
6-month runway target$0
Bare-bones monthly number$0
Between-jobs money planned from this job$0
Between-jobs runway after this job0.0 months
Runway is not money doing nothing. It is money buying you time to make a better next decision.

Decision

Good money can still be the wrong move. Check the math, the life fit, and what you are giving up.

Does the money make sense?

0.50 = 50%
0.25 = 25%

Does this job actually work for my life? — rate 1 to 5

Life-fit score0.0 / 5

Is the job actually mine — or is it just an offer?

Before you build plans around the money, make sure the job is actually confirmed.
Confirmed0%
CONFIRM THE JOB FIRST

Stress Test

Jobs change. Hours get cut, projects end early, and plans move. Test the numbers before the job tests them.

Result25%50%75%Plan

Your non-negotiables

One early layoff should not erase the entire plan.

Compare Jobs

Wage is an input. After-cost money and time are the result.

MetricCurrentOffer BOffer CBest
Planning and comparison tool only. Actual payroll deductions, tax treatment, overtime rules, collective agreements, LOA/sub eligibility, site-access requirements and employer policies vary. Use the actual terms of your call.
EFTERA • THE MONEY MAP Know what the job is worth.