2027 Irregular Income Budget Planner

Paid like a rollercoaster? Budget like a salary.

This 2027 Budget Planner is made for irregular income: freelancers, gig workers, creators, realtors, commission sales, seasonal work and small-business owners. Instead of guessing each month, you use the simple "Pay Yourself" buffer method. All your income goes into a buffer, you pay yourself the same steady salary every month, and you always know how many months of runway you have.

Works in Google Sheets (free) and Microsoft Excel. Everything calculates automatically. Just type in the yellow cells.

★ WHAT'S INCLUDED

• Start Here: step-by-step instructions inside the sheet

• Settings: currency, starting balances, your "bare-bones" number, your salary, custom categories and income sources

• Income Log: record every payment by date and source; monthly and per-source totals are automatic

• Pay Yourself: buffer deposits, fixed salary, buffer balance, months of runway, a suggested steady salary and status alerts

• 12 Monthly Budgets (Jan–Dec 2027): planned vs actual by category, income pulled in automatically, a spending log with category dropdowns, and progress bars

• Debt Payoff: snowball AND avalanche side by side, with payoff order, months to debt-free, debt-free date and total interest

• Savings Goals: up to 10 goals with progress bars, months to go and on-track status

• Net Worth Tracker: monthly assets and debts with a chart (buffer fills in automatically)

• Yearly Dashboard: income, spending, buffer, runway, savings, net worth and debt-free dates, plus charts, all automatic

• SAMPLE copy filled with example data so you can see how it works, and a clean BLANK copy for you

• PDF guide with your template link and quick-start steps

★ WHY IT WORKS FOR IRREGULAR INCOME

• Big months refill your buffer and lean months draw it down, so your budget stays the same

• See your runway at a glance and know when it's safe to give yourself a raise

• Built-in "bare-bones" number for tight months

★ HOW YOU GET IT

1. Buy the listing and download the PDF (and .xlsx files) after purchase.

2. Open the PDF and click the template link, then click "Make a copy". Or import the .xlsx into Google Sheets (File > Import) or open it in Excel.

3. Fill in Settings and start logging. Setup takes about 10 minutes.

★ GOOD TO KNOW

• This is a DIGITAL product. Nothing physical will be shipped.

• You need a free Google account (Google Sheets) or Microsoft Excel 2016 or newer. Setup works best on a computer; you can log entries in the Sheets mobile app.

• Currency is customizable ($, €, £…). Amounts show as plain numbers.

• Because this is a digital download, I can't offer refunds, but message me any time and I'll help you get set up.

• For personal use only. Please don't share or resell.

• This is a budgeting tool, not financial, tax or legal advice.

This listing was created with the help of AI tools: the spreadsheet templates, listing images and some text were designed with AI assistance, then reviewed, tested and finalized by me.