diff --git a/app/controllers/concerns/dashboard_builder.rb b/app/controllers/concerns/dashboard_builder.rb
index ae6f97a..64e48c1 100644
--- a/app/controllers/concerns/dashboard_builder.rb
+++ b/app/controllers/concerns/dashboard_builder.rb
@@ -5,6 +5,7 @@ module DashboardBuilder
   include TaxedIncome
   include TotalCost
   include SaveIncome
+  include GuiltFree
 
   def build_dashboard_variables!
     @incomes = Income.order_by_type
@@ -13,6 +14,7 @@ def build_dashboard_variables!
     @investing_rate = SavingsRate.investing
     build_taxed_income_vars!
     build_savings_vars!
+    build_guilt_free_vars!
     build_total_cost_vars!
     Rails.logger.debug "\n *** Building Vars!!\n "
   end
diff --git a/app/controllers/concerns/guilt_free.rb b/app/controllers/concerns/guilt_free.rb
new file mode 100644
index 0000000..8b2432d
--- /dev/null
+++ b/app/controllers/concerns/guilt_free.rb
@@ -0,0 +1,17 @@
+# frozen_string_literal: true
+
+module GuiltFree
+  def build_guilt_free_vars!
+    @guilt_free_salary = GuiltFreeCalculator.new(@salary_taxed.total_net_income, salary_savings_totalizer)
+    @guilt_free_hourly = GuiltFreeCalculator.new(@hourly_taxed.total_net_income, hourly_savings_totalizer)
+  end
+
+  def salary_savings_totalizer
+    @salary_saving.annual_saving + @salary_invest.annual_saving
+    # @salary_saving + @salary_investing
+  end
+
+  def hourly_savings_totalizer
+    @hourly_saving.annual_saving + @salary_invest.annual_saving
+  end
+end
diff --git a/app/controllers/incomes_controller.rb b/app/controllers/incomes_controller.rb
index 8e4501c..1f9b53d 100644
--- a/app/controllers/incomes_controller.rb
+++ b/app/controllers/incomes_controller.rb
@@ -2,6 +2,7 @@ class IncomesController < ApplicationController
   include DashboardBuilder
   include TotalCost
   include SaveIncome
+  include GuiltFree
 
   before_action :set_income, only: %i[show edit update destroy]
 
@@ -95,15 +96,15 @@ def income_params
 
   def build_locals(taxed_income)
     income = taxed_income.income
-    build_total_cost_vars!
-    build_savings_vars!
+    build_dashboard_variables!
     {
       total_annual_cost: @total_annual_cost,
       total_monthly_cost: @total_monthly_cost,
       total_bi_weekly_cost: @total_bi_weekly_cost,
       income: taxed_income,
       investing_amount: income.is_hourly? ? @hourly_invest : @salary_invest,
-      savings_amount: income.is_hourly? ? @hourly_saving : @salary_saving
+      savings_amount: income.is_hourly? ? @hourly_saving : @salary_saving,
+      guilt_free: income.is_hourly? ? @guilt_free_hourly : @guilt_free_salary
     }
   end
 end
diff --git a/app/services/guilt_free_calculator.rb b/app/services/guilt_free_calculator.rb
new file mode 100644
index 0000000..a7db717
--- /dev/null
+++ b/app/services/guilt_free_calculator.rb
@@ -0,0 +1,51 @@
+# frozen_string_literal: true
+
+class GuiltFreeCalculator
+  attr_reader :annual_guilt_free,
+    :biannual_guilt_free,
+    :quarterly_guilt_free,
+    :monthly_guilt_free,
+    :bi_weekly_guilt_free,
+    :weekly_guilt_free,
+    :daily_guilt_free
+
+  def initialize(taxed_income, savings_totals)
+    @taxed_income = taxed_income
+    @savings_totals = savings_totals
+    @annual_guilt_free = calculate_annual_guilt_free
+    @biannual_guilt_free = calculate_biannual_guilt_free
+    @quarterly_guilt_free = calculate_quarterly_guilt_free
+    @monthly_guilt_free = calculate_monthly_guilt_free
+    @bi_weekly_guilt_free = calculate_bi_weekly_guilt_free
+    @weekly_guilt_free = calculate_weekly_guilt_free
+    @daily_guilt_free = calculate_daily_guilt_free
+  end
+
+  def calculate_annual_guilt_free
+    @taxed_income - @savings_totals
+  end
+
+  def calculate_biannual_guilt_free
+    @annual_guilt_free / 2
+  end
+
+  def calculate_quarterly_guilt_free
+    @annual_guilt_free / 4
+  end
+
+  def calculate_monthly_guilt_free
+    @annual_guilt_free / 12
+  end
+
+  def calculate_bi_weekly_guilt_free
+    @annual_guilt_free / 26
+  end
+
+  def calculate_weekly_guilt_free
+    @annual_guilt_free / 52
+  end
+
+  def calculate_daily_guilt_free
+    @annual_guilt_free / 365
+  end
+end
diff --git a/app/views/budget/_hourly_budget.html.erb b/app/views/budget/_hourly_budget.html.erb
index bd5b031..91f9f81 100644
--- a/app/views/budget/_hourly_budget.html.erb
+++ b/app/views/budget/_hourly_budget.html.erb
@@ -10,7 +10,8 @@
                  total_bi_weekly_cost: total_bi_weekly_cost,
                  income: income,
                  investing_amount: investing_amount,
-                 savings_amount: savings_amount
+                 savings_amount: savings_amount,
+                 guilt_free: guilt_free
                } %>
   </div>
 <% end %>
\ No newline at end of file
diff --git a/app/views/budget/_salary_budget.html.erb b/app/views/budget/_salary_budget.html.erb
index d6f13e0..9be9edc 100644
--- a/app/views/budget/_salary_budget.html.erb
+++ b/app/views/budget/_salary_budget.html.erb
@@ -10,7 +10,9 @@
                  total_bi_weekly_cost: total_bi_weekly_cost,
                  income: income,
                  investing_amount: investing_amount,
-                 savings_amount: savings_amount
-               } %>
+                 savings_amount: savings_amount,
+                 guilt_free: guilt_free
+               }
+    %>
   </div>
 <% end %>
diff --git a/app/views/dashboard/index.html.erb b/app/views/dashboard/index.html.erb
index 2e6eccf..8d6d111 100644
--- a/app/views/dashboard/index.html.erb
+++ b/app/views/dashboard/index.html.erb
@@ -43,7 +43,8 @@
                      total_monthly_cost: @total_monthly_cost,
                      total_bi_weekly_cost: @total_bi_weekly_cost, income: @salary_taxed,
                      investing_amount: @salary_invest,
-                     savings_amount: @salary_saving
+                     savings_amount: @salary_saving,
+                     guilt_free: @guilt_free_salary
                    }
         %>
       </div>
diff --git a/app/views/fixed_expenses/update.turbo_stream.erb b/app/views/fixed_expenses/update.turbo_stream.erb
index 770766e..db59b34 100644
--- a/app/views/fixed_expenses/update.turbo_stream.erb
+++ b/app/views/fixed_expenses/update.turbo_stream.erb
@@ -18,7 +18,8 @@
                total_bi_weekly_cost: @total_bi_weekly_cost,
                income: @salary_taxed,
                investing_amount: @salary_invest,
-               savings_amount: @salary_saving
+               savings_amount: @salary_saving,
+               guilt_free: @guilt_free_salary
              }
   %>
 <% end %>
@@ -31,7 +32,8 @@
                total_bi_weekly_cost: @total_bi_weekly_cost,
                income: @hourly_taxed,
                investing_amount: @hourly_invest,
-               savings_amount: @hourly_saving
+               savings_amount: @hourly_saving,
+               guilt_free: @guilt_free_hourly
              }
   %>
 <% end %>
diff --git a/app/views/incomes/update.turbo_stream.erb b/app/views/incomes/update.turbo_stream.erb
index b8aa8ff..05eca50 100644
--- a/app/views/incomes/update.turbo_stream.erb
+++ b/app/views/incomes/update.turbo_stream.erb
@@ -17,7 +17,8 @@
                total_bi_weekly_cost: @total_bi_weekly_cost,
                income: @salary_taxed,
                investing_amount: @salary_invest,
-               savings_amount: @salary_saving
+               savings_amount: @salary_saving,
+               guilt_free: @guilt_free_salary
              }
   %>
 <% end %>
@@ -30,7 +31,8 @@
                total_bi_weekly_cost: @total_bi_weekly_cost,
                income: @hourly_taxed,
                investing_amount: @hourly_invest,
-               savings_amount: @hourly_saving
+               savings_amount: @hourly_saving,
+               guilt_free: @guilt_free_hourly
              }
   %>
 <% end %>
\ No newline at end of file
diff --git a/app/views/savings_rates/update.turbo_stream.erb b/app/views/savings_rates/update.turbo_stream.erb
index b4779e5..dd214b8 100644
--- a/app/views/savings_rates/update.turbo_stream.erb
+++ b/app/views/savings_rates/update.turbo_stream.erb
@@ -8,7 +8,8 @@
                total_bi_weekly_cost: @total_bi_weekly_cost,
                income: @salary_taxed,
                investing_amount: @salary_invest,
-               savings_amount: @salary_saving
+               savings_amount: @salary_saving,
+               guilt_free: @guilt_free_salary
              }
   %>
 <% end %>
@@ -21,7 +22,8 @@
                total_bi_weekly_cost: @total_bi_weekly_cost,
                income: @hourly_taxed,
                investing_amount: @hourly_invest,
-               savings_amount: @hourly_saving
+               savings_amount: @hourly_saving,
+               guilt_free: @guilt_free_hourly
              }
   %>
 <% end %>
\ No newline at end of file
diff --git a/app/views/shared/_budget.html.erb b/app/views/shared/_budget.html.erb
index e42b434..9a7a6da 100644
--- a/app/views/shared/_budget.html.erb
+++ b/app/views/shared/_budget.html.erb
@@ -9,7 +9,7 @@
     <%= humanized_money_with_symbol(savings_amount.daily_saving) %>
   </div>
   <div>
-    <%= humanized_money_with_symbol((income.daily_income) - total_annual_cost / 365) %>
+    <%= humanized_money_with_symbol((guilt_free.daily_guilt_free) - total_annual_cost / 365) %>
   </div>
 </div>
 
@@ -19,7 +19,7 @@
   <div><%= humanized_money_with_symbol(investing_amount.weekly_saving) %></div>
   <div><%= humanized_money_with_symbol(savings_amount.weekly_saving) %></div>
   <div>
-    <%= humanized_money_with_symbol((income.weekly_income) - total_annual_cost / 52) %>
+    <%= humanized_money_with_symbol((guilt_free.weekly_guilt_free) - total_annual_cost / 52) %>
   </div>
 </div>
 
@@ -29,7 +29,7 @@
   <div><%= humanized_money_with_symbol(investing_amount.bi_weekly_saving) %></div>
   <div><%= humanized_money_with_symbol(savings_amount.bi_weekly_saving) %></div>
   <div>
-    <%= humanized_money_with_symbol((income.bi_weekly_net_income) - total_bi_weekly_cost) %>
+    <%= humanized_money_with_symbol((guilt_free.bi_weekly_guilt_free) - total_bi_weekly_cost) %>
   </div>
 </div>
 
@@ -39,7 +39,7 @@
   <div><%= humanized_money_with_symbol(investing_amount.monthly_saving) %></div>
   <div><%= humanized_money_with_symbol(savings_amount.monthly_saving) %></div>
   <div>
-    <%= humanized_money_with_symbol((income.monthly_income) - total_monthly_cost) %>
+    <%= humanized_money_with_symbol((guilt_free.monthly_guilt_free) - total_monthly_cost) %>
   </div>
 </div>
 
@@ -49,7 +49,7 @@
   <div><%= humanized_money_with_symbol(investing_amount.quarterly_saving) %></div>
   <div><%= humanized_money_with_symbol(savings_amount.quarterly_saving) %></div>
   <div>
-    <%= humanized_money_with_symbol((income.quarterly_income) - total_annual_cost / 4) %>
+    <%= humanized_money_with_symbol((guilt_free.quarterly_guilt_free) - total_annual_cost / 4) %>
   </div>
 </div>
 
@@ -59,7 +59,7 @@
   <div><%= humanized_money_with_symbol(investing_amount.biannual_saving) %></div>
   <div><%= humanized_money_with_symbol(savings_amount.biannual_saving) %></div>
   <div>
-    <%= humanized_money_with_symbol((income.biannual_income) - total_annual_cost / 2) %>
+    <%= humanized_money_with_symbol((guilt_free.biannual_guilt_free) - total_annual_cost / 2) %>
   </div>
 </div>
 
@@ -70,6 +70,6 @@
   <div><%= humanized_money_with_symbol(investing_amount.annual_saving) %></div>
   <div><%= humanized_money_with_symbol(savings_amount.annual_saving) %></div>
   <div>
-    <%= humanized_money_with_symbol(income.total_net_income - total_annual_cost ) %>
+    <%= humanized_money_with_symbol(guilt_free.annual_guilt_free - total_annual_cost ) %>
   </div>
 </div>