Irregular Income Budget Tracker: 9-Tab Excel & Google Sheets System

A BUDGET TRACKER BUILT FOR VARIABLE AND IRREGULAR INCOME.

The Irregular Income Budget Tracker helps freelancers, gig workers, nurses, caregivers, and others with changing pay plan around a stable “safe-to-budget” number instead of guessing each month.

Nine connected tabs in one file: Dashboard, Income, Income Smoothing, Expenses, Bills, Debt Payoff, Savings Goals, Annual Overview, and Insights.

WHAT’S INCLUDED — 9 TABS

• Dashboard

See your monthly income, expenses, bills, debt, savings, and key totals in one place.

• Income Tracker

Log every gig, shift, or paycheck, including multiple employers or clients.

• Income Smoothing

Calculates 3-month and 6-month rolling averages and suggests a safe-to-budget amount for planning.

• Expense Tracker

Organize fixed and variable spending.

• Bill Tracker

List monthly bills and due dates. Paid and unpaid status are color-coded.

• Debt Payoff Planner

Track snowball or avalanche payoff with progress toward debt-free.

• Savings Goals Tracker

Set savings goals, including an emergency fund target designed for variable income.

• Annual Overview

See a full-year summary built from your monthly entries.

• Insights

View automatic breakdowns by income and expense category.

WHO THIS IS FOR

• Freelancers, gig workers, and contractors

• Nurses, caregivers, and shift workers

• Anyone with irregular pay, seasonal income, or multiple income sources

• People who prefer Excel or Google Sheets

HOW IT WORKS

1. Purchase and download the ZIP file.

2. Open the Excel file or upload to Google Drive and open in Google Sheets.

3. Enter your income, expenses, bills, debt, and savings goals.

4. Let the built-in formulas calculate rolling averages, totals, and insights.

5. Update your data each month and review the dashboard and insights.

WHAT YOU RECEIVE

• 1 Excel file (.xlsx) with 9 tabs

• Works in Excel and Google Sheets

• One-time purchase

• Instant digital download

• Reusable every month and year

PRICING

Regular price: $14.00

Launch price: $10.50

Use code: IRREGULAR25

25% off through September 30

SAVE $3.50

IMPORTANT NOTE

This is a digital product. No physical item will be shipped.

The tracker is for personal organization and educational use only. It is not financial, investment, tax, legal, medical, dietary, or professional advice. You are responsible for reviewing your personal financial, health, and planning decisions as appropriate.

All calculations are based on the formulas included in the file. Formulas may need adjustment if you change the structure of the spreadsheet.