A spreadsheet system built for freelance income that swings. Log what you get paid, and it calculates what's safe to draw, what to set aside for taxes, and how big your buffer needs to be before a slow month stops feeling like a crisis.
March. A great retainer month.
June. Nobody warned you.
Budgeting apps built for salaried paychecks assume one number that repeats every two weeks. Yours doesn't. So every slow month feels like an emergency, even when your yearly average is fine.
Income Log — log every payment as it lands. Date, client, type, amount.
Monthly Summary — automatic 3- and 6-month rolling averages, so one big or bad month doesn't distort the read.
Safe Draw Calculator — a recommended monthly draw based on real trailing income, after tax and expense reserves.
Reserve Tracker — set your tax %, expense %, and buffer target in months. Watch the buffer grow toward it.
Dashboard — your whole financial picture on one screen, income trend included.
A generic budget template asks for one monthly income number. This system is built around averages that update as your real income changes, so the plan adjusts with your business instead of breaking on the first slow month.
One time. No subscription.
Get the plannerTry it for 30 days. If it doesn't help you plan around your real income, email me and I'll refund you, no questions asked.