Set your percentage split once and the dollar amounts for every category scale automatically with whatever you actually get paid that month.
A percentage-based budget scales automatically with whatever comes in, so a budget still works even when your income swings month to month.
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Fixed-dollar budgets fall apart the moment income swings 2-3x from one month to the next, which is normal for freelancers and commission-based workers, not an edge case. A budget built around fixed dollar amounts either overshoots in a lean month or leaves money unassigned in a strong one.
Set your target percentage split once (for example 50% needs, 30% wants, 20% savings/debt), then log whatever your total income actually was each month. The sheet calculates the dollar amount for every category automatically based on that month's real number, so a strong month gives every category more and a lean month scales every category down proportionally, no rewrite required.
We built this after noticing that most budgeting advice assumes a steady paycheck, which doesn't match how freelance and commission income actually works. Percentages that scale with whatever comes in hold up far better than a fixed-dollar budget that needs to be rebuilt every time income changes.
— DaveWays
Set your percentage split once; the dollar amounts recalculate for you every month, in strong months and lean ones alike.
A lean month scales every category down proportionally instead of forcing you to rebuild the budget from scratch.
Check back on your percentage split every few months and adjust it based on how it's actually working.
What if my income drops to $0 some months?
The percentages still apply, so every category is $0 that month; log $0 and pick back up the following month with whatever comes in.
Can I change my percentage split later?
Yes, revisit it every few months based on how it's actually working for you; nothing locks you into your first split.
Does this work for a mix of freelance and a part-time paycheck?
Yes, log your total income for the month from all sources combined; the percentage split applies to the total either way.
Irregular Income Percentage Budget (Free Preview) — download a condensed version free, no purchase required, to see if it's a fit before you buy.
Irregular Income Percentage Budget is $16.99 USD, one-time payment, instant delivery, no subscription. Covered by our 30-day money-back guarantee. See our refund policy and terms.
