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Irregular-Income Budget Planner

Derive a conservative safe monthly spending cap from your income history. Built for freelance / commission / variable-pay earners.

Month 1 Income ($)

Month 2 Income ($)

Month 3 Income ($)

Month 4 Income ($)

Month 5 Income ($)

Month 6 Income ($)

Month 7 Income ($)

Month 8 Income ($)

Month 9 Income ($)

Month 10 Income ($)

Month 11 Income ($)

Month 12 Income ($)

Fixed Monthly Expenses ($)

Reserve Target (months)

Safety Margin on Baseline (%)

Limitations: Needs at least 3 months of history. Does NOT compute tax set-aside — freelancers should reserve 25–30% of gross BEFORE applying this baseline. Does NOT model one-off windfalls or seasonal patterns explicitly.

What to do next: Spend at the baseline in every month — treat anything above baseline as reserve-build + tax set-aside. Revisit the baseline quarterly as your income history lengthens.