Irregular Income Budget Planner | Zero Based Budget for Freelancers | Google Sheets

💸 Freelance income is feast or famine — and budgeting the average month is why the famine months hurt.

This planner budgets your <b>worst</b> month first: a hill-and-valley smoothing fund that banks surpluses and covers shortfalls, priority-ranked bills showing exactly what base income funds, and a zero-based spending plan with a 100% balance check. A pre-built system, not a blank template: every formula, fund calculation, and chart is already done for you.

━━━━━━━━━━━━━━━━━━

📦 WHAT'S INCLUDED

━━━━━━━━━━━━━━━━━━

✅ Irregular Income Budget Planner workbook for Google Sheets (6 tabs)

Start Here · Setup · Income Log · Bill Priority · Spending Plan · Dashboard

✅ Quick Start PDF — from download to a working system in about 15 minutes

✅ FAQ & Access Guide PDF — answers, troubleshooting, and license terms

✅ One ZIP file — instant download, everything inside

━━━━━━━━━━━━━━━━━━

⚡ KEY FEATURES

━━━━━━━━━━━━━━━━━━

💸 Zero-based budgeting on your lowest-month income — the number that actually has to work

🌊 Hill-and-valley smoothing fund — surpluses auto-deposit, shortfalls auto-withdraw, coverage in months

🎯 Priority-ranked bills — list in pay-first order, see FUNDED / NOT FUNDED instantly

⚖️ Spending plan with 100% balance check — every percent of base income assigned

📊 Income stats + chart — average, lowest, highest, and income-vs-base

🚦 Red / amber / green status — fund and bill health at a glance

🔒 Protected formulas — nothing breaks when you type

🔧 100% Sheets-native — no coding, no add-ons

━━━━━━━━━━━━━━━━━━

🚀 HOW IT WORKS

━━━━━━━━━━━━━━━━━━

1️⃣ Purchase and download your files instantly

2️⃣ Open the workbook in Google Sheets and set your preferences — about 15 minutes

3️⃣ Set your base income, log pay and bills — fund math, funding flags, and the dashboard update automatically

━━━━━━━━━━━━━━━━━━

📌 IMPORTANT NOTES

━━━━━━━━━━━━━━━━━━

• This is a digital download — no physical item will be shipped

• Built for Google Sheets ONLY — requires a free Google account

✅ 30-DAY MONEY-BACK GUARANTEE — you're covered. Message us within 30 days for a full refund, no forms, no hassle.

• Single-user license — redistribution, resale, or sharing is not permitted

• Launch pricing: $10.8

• An organizational and planning tool, not financial advice — consult a qualified professional for financial decisions

━━━━━━━━━━━━━━━━━━

🛍️ LIKE THIS SYSTEM?

━━━━━━━━━━━━━━━━━━

See the full SystemCraftDigital collection — cash flow, invoicing, tax planning, budgeting, and more — in my shop.