Irregular Income Budget Planner (Excel & Google Sheets)

Budget from your lowest months, not your best. This planner is built for freelancers, gig workers, commission earners, tipped workers and anyone whose paycheck changes every month.

What's inside

• Income Log: enter what you earned each month. The planner works out your Safe Income, halfway between your average month and your lowest month.
• Bills & Needs: list every expense and mark it Must, Need or Want.
• Monthly Plan: see what your Safe Income covers, in order of priority, and check this month's real income against it. Anything above Safe Income is flagged to move into savings.
• Buffer Fund: track your cushion and how many months of Musts and Needs it covers.
• Start Here: a short guide.

How it works

Type in the yellow cells and everything else calculates. Reuse it every month.

Instant digital download. Works in Excel and Google Sheets. No physical item will be shipped. For planning only; not financial advice.