diff --git a/calc.py b/calc.py
index a53b581..2469a5a 100644
--- a/calc.py
+++ b/calc.py
@@ -26,7 +26,8 @@ def calculate_savings_depletion(finance):
 
     # leave in days, 10 business days to a fortnight, salary is per fortnight, and we lose 37% to tax
     # (assuming we don't earn over $180k)
-    D_leave_after_tax = (D_leave_owed_in_days/10) * D_Salary * 0.63;
+    # if we could stretch this to July 2026, then would be more (due to less tax)
+    D_leave_after_tax = (D_leave_owed_in_days/10) * D_Salary;
 
     # Constants for interest calculations
     annual_interest_rate = Interest_Rate / 100.0
diff --git a/finance.db b/finance.db
index 66a0ca2..63d77f7 100644
Binary files a/finance.db and b/finance.db differ