P5 Payment Change Calculator
Dec 2025 vs Jan 2026 — Cascading Bucket System
| Butterfat % | Protein % | ||||||
|---|---|---|---|---|---|---|---|
| 3.0% | 3.1% | 3.2% | 3.3% | 3.4% | 3.5% | 3.6% | |
| 4.0% | +3.3% | +3.3% | +3.3% | +3.3% | +3.4% | +3.4% | +3.4% |
| 4.1% | +3.2% | +3.3% | +3.3% | +3.3% | +3.4% | +3.4% | +3.4% |
| 4.2% | +2.9% | +3.1% | +3.2% | +3.3% | +3.4% | +3.4% | +3.4% |
| 4.3% | +2.7% | +2.8% | +2.9% | +3.1% | +3.2% | +3.3% | +3.4% |
| 4.4% | +2.5% | +2.6% | +2.7% | +2.8% | +2.9% | +3.0% | +3.2% |
| 4.5% | +2.4% | +2.4% | +2.5% | +2.6% | +2.7% | +2.8% | +2.9% |
| 4.6% | +2.4% | +2.4% | +2.4% | +2.4% | +2.5% | +2.6% | +2.7% |
| 4.7% | +2.4% | +2.4% | +2.4% | +2.4% | +2.4% | +2.4% | +2.5% |
| 4.8% | +2.4% | +2.4% | +2.4% | +2.4% | +2.4% | +2.4% | +2.4% |
December 2025
Ratios: T1 < 2.0 · T2 2.0–2.2 · NP > 2.2
- Fat: $/kg
- T1 Protein (<2.0): $/kg
- T2 Protein (2.0–2.2): $/kg
- No Pay (>2.2)
- OS: $/kg
January 2026
Ratios: T1 < 2.0 · T2 2.0–2.2 · NP > 2.2
- Fat: $/kg
- T1 Protein (<2.0): $/kg
- T2 Protein (2.0–2.2): $/kg
- No Pay (>2.2)
- OS: $/kg
🎯 Target the Green Zone (2.0–2.2 ratio)
Producers in the green-bordered cells are maximizing income — they fill Tier 1 completely AND capture the Tier 2 protein bonus without spilling into unpaid territory.
Gold border = leaving money on the table. Grey cells with red border = producing unpaid milk — even if revenue goes up slightly, overall profitability goes down due to inefficiency.
SNF Visualizer
See how the bucket system works and watch your milk flow through payment tiers
Try the visualizerSNF Calculator
Calculate optimal palm fat usage and see the financial impact on your operation
Calculate your savingsSpecial thanks to Roger Boerson and Henry Verhoog for their insights on maximizing P5 payment strategies.