Irregular Income Cash-Flow Planner — Weekly Budget Spreadsheet for Gig, Seasonal & Variable Paychecks (Excel + Google Sheets)

A weekly cash-flow planner built for income that doesn't arrive on a neat schedule — gig work, seasonal jobs, tips, contract work, strike pay, or several of those at once.

Instead of a monthly budget that assumes a steady paycheck, this planner works week by week:

• Income Log — record each payment as it lands; the planner sorts it into weeks automatically.
• - Bill Calendar — list every recurring bill once, with its due day and amount.
• - 26-Week Cash Flow — each week shows income in, bills due, your other-spending estimate, ending balance, and progress toward your buffer goal.
• - Danger-zone warnings — a "lowest projected balance" readout and per-week status flags show a shortfall weeks before it happens, while there is still time to move a bill or pick up work.
• - Buffer tracker — set a cushion goal and watch every week's balance measured against it.

Setup takes about five minutes. Yellow cells are the only places you type; everything else calculates itself. Includes a filled example (clearly marked) so you can see exactly how it behaves before entering your own numbers, plus a quick-start guide.

Works in Microsoft Excel and Google Sheets. One-time purchase, yours to keep — no subscription, no bank connection, your numbers never leave your computer.