Variable Income Budget App: Safe to Spend Planner, Irregular Pay

Paid different amounts each month? This variable income budget app shows how much is safe to spend. Works in your browser, with no app store download.

by WiseYears Apps

This is a real app that opens in your web browser, not an Excel or Google Sheets template.

Watch the full walkthrough: https://youtu.be/MZfIW8KnUw0

Variable Income Budget is a budget app for irregular income. It gives you one number: what's safe to spend until your next deposit, after bills, debt minimums, savings, tax and a buffer are covered. Log money as it comes in and spending as it goes out, and the app does the math for you.

WHY IT'S BETTER

• Safe to spend until your next deposit, plus a daily amount, instead of a monthly budget that falls apart when pay is late
• Tax set-aside built in: see how much of each payment to move for taxes
• Income floor shows your lowest month so you can budget like it's a salary
• Works offline and your data stays on your device
• Buy once, no subscription, no account, no monthly fee

WHAT'S INCLUDED

• Variable Income Budget app (one file that opens in your browser)
• Built-in example budget to explore first
• Start Here guide

WHAT IT DOES

• Today: your safe-to-spend number, daily amount and bills due before you get paid
• Monthly picture: what came in, what went out and what you kept
• Income: log deposits and expected payments
• Spending and bills: log spending and mark bills paid
• Debts: snowball or avalanche payoff order
• Funds: save ahead for car insurance, holidays and other bills that sneak up
• Tax: set your rate and track what you've moved
• Print a one-page summary

HOW IT WORKS

1. Open the file in Chrome, Edge, Safari or Firefox.
2. Enter your checking balance, your next expected payment and your tax rate.
3. Add your bills, then check your safe-to-spend number any time.

PRIVACY AND BACKUP

Everything stays in your browser on your device. Nothing is uploaded and there's no login. Use Export backup in Settings to save a copy, because clearing your browser history can clear the app.

GOOD FOR

Freelancers, gig workers, creators, commission and tip earners, seasonal workers and anyone whose pay changes month to month.

PLEASE NOTE

• Instant digital download. Nothing will be shipped.
• For personal use. Not tax, legal or financial advice.

Questions? Contact us through the form: https://reconciledbooksco.com/contact

Variable Income Budget by ReconciledBooksCo