Your best month shouldn't decide how much you spend.

A practical Excel budgeting tool for freelancers and self-employed people with irregular income. One-time purchase. No subscription.

You earn €4,000 one month and €900 the next.

But your rent, bills and everyday expenses don't change just because your income does.

So when a client pays you, how much can you actually afford to pay yourself?

Steady Pay helps you answer that question using your real income, expenses and savings buffer.

Instead of guessing, you get a structured way to plan your monthly pay, set money aside for taxes and prepare for slower months.

Stop budgeting as if every month were the same.

Traditional monthly budgets often assume you earn a predictable amount.

Freelancing doesn't work like that.

Steady Pay is an irregular income budget spreadsheet that helps you make spending decisions based on what you've earned and what you need to keep available.

One good month shouldn't leave you struggling through the next.

Give yourself a payday that makes sense.

Steady Pay calculates suggested monthly pay using three spending levels based on your own expenses:

Survival — The essentials you need to cover.

Normal — Your usual monthly spending.

Comfort — The extras your buffer may allow.

As your financial buffer changes, Steady Pay adjusts its suggested pay level gradually.

That means fewer sudden changes in your spending plan and a clearer picture of what may be sustainable.

Everything you need to plan around unpredictable income.

Know what you can pay yourself

See a suggested monthly payment based on your income, spending needs and available buffer.

Build a buffer for quieter months

Choose how many months of expenses you want to keep in reserve and track your progress toward that goal.

Keep tax money separate

Set your own estimated tax reserve percentage and track it alongside your available spending money.

Spot potential financial pressure

Built-in safety checks highlight low buffers, potential tax shortfalls and other situations that deserve attention.

Prepare for a slow month

Use the income stress test to explore what could happen if freelance work slows down.

See your finances more clearly

A visual dashboard brings your suggested pay, reserves and key indicators together in one place.

Built for freelancers, not fixed salaries.

Steady Pay is designed for people whose income changes from month to month, including:

• Freelance designers and developers
• Photographers and videographers
• Consultants and independent professionals
• Content creators
• Self-employed service providers
• Anyone managing unpredictable monthly income

You enter the payments you actually receive. The spreadsheet helps you plan around them.

What you'll receive for €14

Your digital download includes:

• Steady Pay Blank Workbook (.xlsx) — Set up your own income and expenses.
• Steady Pay Example Workbook (.xlsx) — Explore the system with completed sample data.
• Step-by-Step PDF Guide — Learn how to configure and use the planner.
• Interactive Dashboard — Review suggested pay, financial buffers and safety indicators.
• Tax Reserve Tracking — Plan and monitor your estimated tax set-aside.
• Income Stress Testing — Explore difficult income scenarios before making decisions.

Price: €14 — one-time payment.

No subscription. No recurring product fee.

How to get started

1. Enter your essential and regular monthly expenses.
2. Choose your savings buffer target.
3. Set an estimated tax reserve percentage.
4. Record income as client payments arrive.
5. Review completed months and use the dashboard to plan your next monthly pay.

Initial setup typically takes approximately 20 minutes, depending on how much information you have ready.

Compatibility and delivery

Steady Pay is delivered as a downloadable ZIP package containing Excel workbook files, a PDF guide and supporting documentation.

The files are intended for Microsoft Excel. Google Sheets may also be used, but some features or formatting may behave differently depending on the application and version.

No separate Steady Pay account is required.

Your download is available after checkout.

Make your next payday a decision, not a guess.

Your freelance income may be unpredictable.

Your approach to managing it doesn't have to be.

Get Steady Pay today for €14 and start planning with your own numbers.

Important: Steady Pay is a budgeting and planning tool, not personalized financial, accounting or tax advice. It does not calculate your legal tax obligations. Its outputs depend on the figures and assumptions you provide, and no budgeting tool can guarantee financial security or a particular financial outcome.