App · free demo
Irregular Income Budget
Irregular income budget app for pay that changes every time: freelance invoices, commission, tips, gig work. Plan on your lowest usual amount, type what really lands, and the app works out a daily spending number from the money you actually have. Pay once. No account and no bank login.
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One payment on Etsy. You get a PDF with your private link. The demo is free and needs no sign-up.
What it does
- Plan on the low month. Add each income at the lowest amount it usually brings.
- Type what really landed. Client paid?
- Several income streams. Keep the day job, the side hustle and the commission check as separate incomes, each on its own weekly, every 2 weeks, twice-a-month or monthly schedule.
- Free to spend today. Your balance, minus unpaid bills before the next expected payday and this payday's goal amounts, divided by the days left.
- Bills on any schedule. Weekly, every 2 weeks, twice a month, monthly, every 3 months, twice a year, once a year, or a single date.
- Quarterly payments. Bills that repeat every 3 months, twice a year or once a year get a slice set aside every pay period, so the full amount is waiting when it's due.
- A buffer fund. Set up a goal for the lean months.
- Soft limits per pay period. Pick a category, set a limit for each pay period, and the envelope fills as you add spends.
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