Irregular Income Budget Spreadsheet | Freelancer & Gig Worker Monthly Budget | Excel + Google Sheets

Most budgets assume the same paycheck every two weeks. Yours doesn't work that way — so this one doesn't either.

Plan your must-pay bills against your lowest month, log income as it lands, and let the sheet tell you what's safe to spend and what to move to savings.

What's inside:

Baseline planning: budget against your lowest month from the past year

Income log for every payment, client, app or tip-out

Expenses ranked by priority (must / should / nice-to-have) with planned vs. actual

Automatic overspend flags in red

"Does my baseline cover my must-pays?" check

"Income above baseline" — the amount to send to your buffer

Instructions tab, sample data included

Works in Microsoft Excel and Google Sheets (import the file). Instant digital download — nothing ships.

These templates were designed with AI assistance and every formula was tested and reviewed by a human before release. Not financial advice.