The Irregular Income Framework
Most budgeting tools assume you get paid the same amount every two weeks. This one doesn't.The Irregular Income Spreadsheet is a free tool built specifically for freelancers and self-employed professionals — it takes the 3-account system (Operating, Tax Reserve, Owner's Pay) and turns it into something you can actually run every month.WHAT'S INSIDE✓ Monthly Tracker — log your client payments and expenses, and it automatically splits your income into the right buckets and tracks your growing buffer over time✓ Tax Reserve Calculator — stop guessing "20-25%." This calculates your real reserve percentage based on self-employment tax plus your actual income tax bracket✓ Owner's Pay Calculator — figures out a sustainable fixed "salary" to pay yourself, based on your last 6 months, so a slow month never derails your budgetWHO THIS IS FORFreelancers, consultants, contractors, and any self-employed professional tired of feast-or-famine budgeting.No subscriptions. No email required to download. Just a system that finally accounts for how freelance income actually works.⚠️ This tool is for general education and planning, not personalized tax advice. Talk to a tax professional about your specific situation.Built by [The Solo Economy] — new videos on freelance finance every week.
Get it → alexandranet.gumroad.com