Know what you can safely spend each month, even when your income swings
A budget spreadsheet for freelancers and gig workers with uneven pay. Get one safe-to-spend number, plus savings and tax set-aside. $29, 30-day refund.
A big month feels great until a slow one makes you wonder where it all went. This spreadsheet gives you one safe-to-spend number every month, built from your real income and bills. You stop guessing and stop treating every good month as spare cash.
What's inside
- Start Here: see how the whole sheet fits together: A short tour of the spreadsheet so you know where to type, what the sheet works out for you, and what to leave alone. You will not wonder which cell does what.
- Quick Win: your first safe-to-spend number in 15 minutes: A step-by-step first pass with just the basics. You get a real number on day one, then refine it later.
- Filling In the Yellow Cells: your inputs and income log: Exactly what to enter, where to find it, and how to log income as it arrives. Only the yellow cells need your input, so there is less to break.
- Worked Example: learn to read your Monthly Budget: A filled-in example with uneven income, so you can see what each result means and what to do with it before you trust it with your own numbers.
- Common Mistakes and Your Monthly Routine: The slips that throw off the numbers, plus a short routine to update the sheet each month so your safe-to-spend number stays accurate.
Who it's for
- Freelancers whose invoices and pay dates change from month to month
- Gig workers who earn from several apps or clients and want one view of the money
- Self-employed people who want a clear, simple way to separate spending money from tax money
- Anyone who has quit a budget because a slow month wrecked it
- People who want a one-time spreadsheet instead of another monthly app subscription
$29.00 USD, Spreadsheet, PDF, EPUB, instant download
Questions
How fast will I get a number?
The Quick Win chapter is written so most people reach their first safe-to-spend number in about 15 minutes. You can refine the inputs after that.
Do I need to be good with spreadsheets?
No. The formulas are built in and you only fill in the yellow cells. The worked example shows what a completed sheet looks like before you start.
My income is very uneven. Will this still work?
It is built for exactly that. You log what you actually earn each month, and the sheet works from your real figures instead of assuming a steady paycheck.
Which apps does it open in?
It is a spreadsheet template that uses standard formulas, so it should open in common spreadsheet apps such as Google Sheets or Excel. The download page lists the exact file type you receive.
Does it connect to my bank?
No. You enter your income and bills yourself. That keeps your data in your own file and keeps the sheet simple.
Will it tell me exactly how much tax I owe?
No. It helps you set money aside using a percentage you choose, and the worksheet helps you pick one. Tax rules differ by country and situation, so check your rate with a qualified tax professional. This product is general education, not financial, tax or legal advice.
What if I get stuck or need help?
Reply to your download email and describe where you are stuck.
What if it is not for me?
Reply to your download email within 30 days for a full refund.