Irregular Income Budget Planner

Freelancing pays well some months and barely covers bills in others. Most budget templates assume a fixed paycheck — this one doesn't.This spreadsheet uses the "baseline income" method recommended by financial coaches for irregular earners: you calculate a safe, steady amount to pay yourself every month, and bank the rest as a buffer for lean months ahead.✓ 6 connected sheets with real formulas — not just a static PDF✓ Auto-calculates your safe monthly baseline from your lowest-earning month✓ Buffer savings tracker with progress bar✓ Category budget with automatic overspend alerts (turns red)✓ Bill tracker with automatic Paid / Upcoming / Overdue status✓ Live dashboard chart comparing your income to your baseline over time✓ Works in both Google Sheets and Excel✓ Instant download, ready to use in minutesInstant download after purchase.

Found on Devadex — the discovery index for independent software the big search engines bury. More from gumroad.

Report this listing