Irregular Income Baseline Planner | Budget Spreadsheet for Freelancers & Gig Workers (Google Sheets)

Budgeting advice that assumes the same paycheck every month doesn't work when your income doesn't. The Irregular Income Baseline Planner is a Google Sheets budget template built for freelancers, commission earners, gig workers, and anyone with unpredictable income who needs a plan that flexes with real life.

Instead of guessing what you can spend, this planner finds your baseline, your lowest realistic month, and builds your whole plan around that number. So even in a slow month, you know exactly what's covered.

What's inside:

• Monthly Income Log to track 6 to 12 months of income in one place
• Automatic Baseline Calculator that flags your lowest realistic month for you
• Baseline Essentials Breakdown to see what your must-cover costs add up to
• Surplus Calculator with an adjustable 70/30 split between debt payoff and savings
• Off-Track Reset section for the months that don't go as planned, no guilt required
• Built-in charts so you can see your income and essentials at a glance

How it works:

Log your income, let the sheet calculate your baseline, add your essentials, and see your leftover. Any month you earn above baseline, the Surplus Calculator splits the extra between debt and savings automatically.

Works in Google Sheets (desktop or mobile) and can be downloaded as an Excel file if you prefer. No perfect month required, just a plan that works with the income you actually have.

Instant digital download. One-time payment, yours to keep and reuse every month.