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P5 Payment Change Calculator

Dec 2025 vs Jan 2026 — Cascading Bucket System

-18¢
5.90%
T1 Only(<2.0)
T1+T2 💰(2.0-2.2)
T1+T2+NP(>2.2)
Butterfat %Protein %
3.0%3.1%3.2%3.3%3.4%3.5%3.6%
4.0%
+0.4%
+0.4%
+0.4%
+0.4%
+0.4%
+0.4%
+0.4%
4.1%
+0.2%
+0.4%
+0.4%
+0.4%
+0.4%
+0.4%
+0.4%
4.2%
-0.0%
+0.1%
+0.2%
+0.3%
+0.4%
+0.4%
+0.4%
4.3%
-0.2%
-0.1%
-0.0%
+0.1%
+0.2%
+0.3%
+0.4%
4.4%
-0.5%
-0.4%
-0.3%
-0.1%
-0.0%
+0.1%
+0.2%
4.5%
-0.6%
-0.6%
-0.5%
-0.4%
-0.3%
-0.2%
-0.0%
4.6%
-0.6%
-0.6%
-0.6%
-0.6%
-0.5%
-0.4%
-0.3%
4.7%
-0.6%
-0.6%
-0.6%
-0.6%
-0.6%
-0.6%
-0.5%
4.8%
-0.5%
-0.6%
-0.6%
-0.6%
-0.6%
-0.6%
-0.6%

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):$10.36/kg(-18¢)
  • T2 Protein (2.0–2.2):$6.29/kg(+$3.00)
  • 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.

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SNF Calculator

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Special thanks to Roger Boerson and Henry Verhoog for their insights on maximizing P5 payment strategies.