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Build a tax-smart pastor pay package.

Split the church's budget between salary, housing allowance, and benefits — and see how much income tax the right split saves your pastor.

The church's budget

01 / PACKAGE
$
$
$

The pastor's housing reality

02 / LIMITS
$
$
%

Designating more allowance than the pastor can exclude wastes the line item — the excess just becomes taxable salary by another name.

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Every dollar in its best seat.

Enter the budget and the housing limits to see the tax-smart split.

Last reviewed: October 2026.

What's next?

Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.