Freelancer Irregular Income & Cash Flow Planner

Tired of traditional monthly budgets breaking every time your income changes?

When you freelance you do not get a steady paycheck. You get invoice delays, dry spells, and a quarterly tax bill that arrives whether or not the work did. This is an automated spreadsheet system built for exactly that — so you can pay yourself a predictable amount every month without guessing.

WHAT MAKES THIS DIFFERENT

• Survival vs. Comfort baselines — know your bare-minimum monthly number, separately from your comfortable one.
• Automated allocation waterfall — enter a client deposit and the sheet instantly splits out your tax reserve, emergency buffer, business costs, and your safe owner's draw.
• Live runway gauge — see how many months your current savings can cover, measured against your real survival burn.
• Aging invoice tracker — overdue clients flag themselves the day they go late.

WHAT'S INSIDE

• Setup & Baselines — your expenses, tax rate, buffer rate and reserve goal.
• Invoice & Inflow Tracker — 120 rows, with days-outstanding calculated for you.
• Cash Allocation Waterfall — splits every deposit four ways, automatically.
• Runway & Cash-Flow Dashboard — 12 monthly rollups plus the runway health gauge.
• Start Here tab — the whole setup in under 10 minutes, with a cell legend so you always know what is safe to type over.

HOW IT WORKS

• Buy and download instantly.
• Open the .xlsx in Excel, or upload it to Google Drive and open with Google Sheets.
• Follow the Start Here tab. Enter your expenses, then log invoices and deposits as they happen.

REQUIREMENTS

• Microsoft Excel, or a free Google account for Google Sheets.
• Works on desktop, tablet and mobile. Best on desktop.
• All formulas are already written. No setup, no add-ons, no subscription.

TERMS

• Instant digital download. Because the file is delivered immediately, all sales are final and this product is non-refundable.
• For personal and single-business use only. Redistribution, resale and sublicensing are not permitted.
• This tool is for organization and planning. It is not legal, financial or tax advice. Confirm your own tax set-aside percentage with a qualified professional.