Variable Income Budget Spreadsheet for Freelancers

About this system

BUDGET WHEN YOUR INCOME ISN'T THE SAME EVERY MONTH.

Standard budget templates assume you earn the same amount every month. This one is built for freelancers, gig workers, commission earners, and anyone with income that goes up and down — log every payment, see your 3-month average, and always know how many months of runway you have.

⭐ INSIDE (4 auto-calculating tabs)

• Income Dashboard — monthly totals, 3-month rolling average, annual income history
• Income Log — record every payment with client, date, amount and invoice number
• Essential Expenses — enter your bare minimum monthly costs (rent, food, phone)
• Buffer Calculator — see your months of runway and how much to set aside for taxes

✅ Built for variable and irregular income

✅ 3-month rolling income average so you can budget confidently

✅ Tax set-aside calculator included

✅ Works in Microsoft Excel AND Google Sheets

✅ Instant download — no subscription, no login

Perfect For:

• Freelancers and independent contractors
• Uber / DoorDash / gig economy workers
• Commission-based sales reps
• Anyone with months of different income

📂 WHAT YOU GET

• 1 Excel file (.xlsx) — also opens in Google Sheets

💌 Instant digital download — all sales final, but message me anytime for setup help.

• OUR PROMISE ---

Works in Excel AND Google Sheets. No subscription — buy once, keep it forever. Instant download, free updates. Questions? Message us and a real person will help you get set up.