Freelancer Irregular Income Budget Tracker (Google Sheets + Excel)

Stop guessing what you can spend. This tracker turns uneven freelance income into a clear plan, so slow months stop feeling like emergencies.

WHAT YOU GET

- Dashboard: total income, best and worst month, months of runway, two charts

- Income log: track every client or source across 12 months

- Expenses log: fixed and variable costs by month

- Buffer planner: tax set-aside, monthly surplus or shortfall, running cash buffer

- Settings: your starting buffer, tax rate and target runway

- Start Here guide with example data to replace with your own

HOW IT WORKS

Enter what you earn and what you spend. The sheet does the maths and shows whether your cash buffer is growing.

GOOD TO KNOW

- Instant download: one Excel file (.xlsx), all formulas included

- Works in Microsoft Excel, and you can import it into Google Sheets (File > Import)

- Currency-neutral: use any currency

- Planning tool only, not financial or tax advice