Finally know where your money goes — even when your income changes every month
Finally know where your money goes — even when your income changes every month.Most budget tools assume you earn the same amount every month. As a freelancer, you don't. This planner is built around that reality.──────────────────────────────DOES THIS SOUND FAMILIAR?──────────────────────────────→ You had a great month but still feel broke by the end of it→ Tax season hits and you realize you spent money you should have saved→ A slow month comes and you have no idea if you can cover your fixed expenses→ You've tried budgeting apps but they never quite fit how you actually earn──────────────────────────────WHAT YOU GET — 7 TABS, FULLY READY──────────────────────────────📊 DashboardAnnual summary that updates automatically as you fill in the other tabs. Income, expenses, savings rate — all in one view.💰 Income trackerLog every client, project, platform, and income source by month. Includes a client & project log with payment status.💸 Expense tracker19 categories across fixed expenses, variable expenses, business expenses, and savings. Auto-calculates monthly and annual totals.🎯 Tax reserve calculatorSet your estimated tax rate once. The planner calculates exactly how much to move to a separate account every month. No more tax surprises.🏦 Savings goals trackerTrack up to 5 savings goals with target amounts, current balance, monthly deposit, and months to completion.💳 Debt payoff trackerList up to 6 debts. Enter the balance, interest rate, and payment. See exactly how many months until each one is paid off.📈 3-month cash flow projectionPlan ahead with three scenarios — conservative, base case, and optimistic. Know before the month starts whether you're in good shape.──────────────────────────────HOW IT WORKS──────────────────────────────1. Download the file and open it in Google Sheets (free)2. Read the Instructions tab — takes 5 minutes3. Enter your tax rate, income sources, and expenses4. Everything else calculates automaticallyBlue cells = your inputs. Everything else is a formula. You never need to touch the math.──────────────────────────────WHAT'S INCLUDED──────────────────────────────✔ Google Sheets file (.xlsx — opens in Google Sheets for free)✔ Step-by-step instructions tab included inside the file✔ Works on desktop, laptop, and mobile✔ One-time purchase — no subscription, no app, no extra cost✔ Instant download after purchase──────────────────────────────WORKS FOR──────────────────────────────Freelancers · Independent contractors · Self-employed professionalsConsultants · Designers · Developers · Writers · CoachesAnyone with irregular or variable monthly income──────────────────────────────QUESTIONS?──────────────────────────────Email us at hello@freelanceledger.com and we'll get back to you within 24 hours.30-day money back guarantee. If it doesn't work for you, email us for a full refund — no questions asked.
Get it → freelanceledger.gumroad.com