Freelancer Budget Planner — Monthly Budget Spreadsheet for Irregular Income

Freelancer Budget Planner — Monthly Budget Spreadsheet for Irregular Income

Freelance pay is never the same twice. One month you land three clients, the next month one invoice is late — and rent is still due on the 1st. This spreadsheet is built for that life.

Instead of budgeting money you have not received yet, you budget what actually hit your account. Enter each payment as it lands, set aside tax first, and see exactly what is left to spend.

What you get:

- Monthly Budget — income by client, expenses by category, tax set-aside, savings rate, all calculated automatically

- Paycheck Planner — split every payment the day it lands: tax, bills, savings, spending

- Debt Payoff — snowball tracker with balance, APR, minimum and extra payments

- Savings Goals — target, saved so far, still to save, progress %

- README sheet — 5-minute setup guide, no macros, no add-ins

How it works:

Yellow cells are the only ones you type in. Everything else is a formula. Works in Microsoft Excel 2016 and newer, and in Google Sheets (File > Import > Upload). No sign-in, no subscription, no macros.

Who it is for:

Freelancers, creators, gig workers, and self-employed professionals who get paid irregularly and want one calm place to see their money.

You get: 1 Excel file (.xlsx), 5 sheets, instant download. For personal use only.