FREE Safe-to-Spend Calculator + 5 Rules Cheat Sheet for Freelancers

A free starter kit for freelancers with irregular income.

WHAT YOU GET

• Safe-to-Spend Calculator (Excel + Google Sheets): enter your income, bills, tax rate and buffer goal, and see what you can safely spend this month and this week.
• 5 Rules for Irregular Income (PDF): a one-page cheat sheet you can print.

HOW IT WORKS

Fill the blue cells only. Everything else calculates automatically.

This is general information, not financial or tax advice.