Irregular Income Budget Planner – Google Sheets & Excel

Tired of feast-or-famine months? This Irregular Income Budget Planner turns unpredictable freelance and gig payments into a steady, predictable monthly salary you pay yourself from a buffer account.

WHAT'S INSIDE (7 tabs)

• Start Here – simple step-by-step instructions

• Monthly Dashboard – pick a month to see income, expenses, net, taxes set aside, your salary, buffer balance and months of runway, with charts

• Income Log – log each payment; it's automatically split into Taxes / Buffer / Savings / Spending

• Expenses – category dropdowns, fixed vs variable, budget vs actual (overspending highlighted)

• Baseline Salary Calculator – choose Average, Lowest-month or Blended method over a 1–12 month look-back window to get a safe, smoothed monthly salary

• Buffer & Allocation – set your own % split, quick split calculator, buffer target in months

• Annual Overview – month-by-month totals, savings rate and income vs expenses chart

FEATURES

✔ Real formulas – everything calculates automatically

✔ Locked formula cells (no password) + color-coded input cells

✔ Example data included and clearly marked so you can see how it works – clear it in seconds

✔ Works in Google Sheets, Microsoft Excel 2019+/365 and LibreOffice

✔ Bonus: illustrated How-to-Use PDF guide (English)

✔ Currency-flexible (change the number format to your currency)

PERFECT FOR

Freelancers, contractors, creators, ride-share and delivery drivers, commission-based workers, seasonal workers and small business owners.

FILE DELIVERY

This is an INSTANT DIGITAL DOWNLOAD. No physical item will be shipped. After purchase you'll receive:

1. Irregular_Income_Budget_Planner.xlsx

2. How_to_Use_Guide.pdf

Download them from your Etsy Purchases page (or the email link). To use in Google Sheets: File › Import › Upload the .xlsx. A computer is recommended for the best experience; mobile apps may have limited chart/dropdown support.

PLEASE NOTE

• Personal use only. Please do not resell or share the files.

• Due to the digital nature of this product, returns are not accepted, but if you have any issue, message me and I'll help.

• This is a budgeting tool, not financial or tax advice. Tax percentages are planning estimates.

• AI tools were used in creating this product (including help with designing the spreadsheet, writing the instructions and producing listing graphics). All formulas were tested and the listing images are real renders of the actual spreadsheet.

Part of the SteadyFlowSheets collection – see the shop for the Debt Payoff Tracker, Savings Challenge Tracker, Wedding Budget Planner, Freelancer Tax Set-Aside Tracker and the money-saving Bundle.