Irregular Income Budget Planner | Google Sheets + Excel | Freelancer Salary & Safety Buffer

Pay yourself a steady salary every month, even when clients pay you unevenly.

Built for freelancers and self-employed people whose income goes up and down: a great month, then two quiet ones.

HOW IT WORKS

All your freelance payments land in one account. Your tax share is set aside first. Then you pay yourself the same salary every month, the total of your budget. Good months top up a safety buffer and quiet months draw from it.

WHAT IT DOES

• Budget tab: your own categories, marked Essential, Flexible or Savings. The total becomes your monthly salary.
• Income log: one row per payment, the only thing you fill in each month.
• Plan: every month's income, tax set aside, salary, what went to or came from your buffer, and how many months it covers, with a Low, Building or On target status.
• Dashboard: buffer now, months covered, buffer target and gap, average, lowest and best month, and a clear message on whether your budget is sustainable.
• Chart of income after tax against the salary you pay yourself and your buffer.

WHAT YOU GET

• Step-by-step PDF guide with your link to copy the Google Sheets edition
• Excel edition (.xlsx) for Excel 2016 or newer and Microsoft 365
• Sample budget and income so you can see how it works

GOOD TO KNOW

• Instant digital download. No physical item is shipped.
• The Google Sheets edition needs a free Google account.
• The tax set-aside is a savings target you choose, not tax or financial advice.
• For personal use or one business. Please don't share or resell the files or the copy link.

Designed and built by Dovexi and tested with AI. Questions? admin.dovexi@gmail.com

Need a custom version? Custom sheets are available on request for buyers, from 20 EUR. Email admin.dovexi@gmail.com with your order number.