03A · Budget System
For Irregular Income
For freelance, contract, gig, commission, or any income that is not the same every month. A calculating workbook plus a hyperlinked planner.
$12
Spreadsheet · Printable PDF · Hyperlinked PDF
Who it is for
People whose income jumps around and who want a steady salary drawn from a rolling average, with a buffer for lean months.
The hero tool
You set a lookback and a salary percent. The workbook averages completed months of net income and suggests a pay-yourself salary. Surplus goes into a buffer; a shortfall comes out of it. A bill-calendar heatmap names the heaviest week, and a lean-month flag turns on when spendable is short.
What is included
- A calculating spreadsheet that opens in Excel, Google Sheets, and Numbers (no macros)
- A printable PDF (US Letter; also prints on A4)
- A hyperlinked PDF for tablet annotation apps
- A dark-theme hyperlinked PDF
- A Quick-Start guide and a compact bonus pack
- A start-here note and a personal-use license
A tax set-aside uses a rate you choose. It is a worksheet, not tax advice. Prefer all four editions? See the bundle.
Inside the file
These are real page renders from the planner, not mock layouts.
Planning tool only. Not financial, tax, or legal advice.