Irregular Income Budget Spreadsheet (.xlsx), Baseline Budget and Buffer Planner
$9.99 & free US shipping
- What it is: For paychecks that change every month: set a baseline from your lowest months, fund essentials first with a four-tier waterfall, and build a buffer for slow months.
- What is included: Blank workbook plus a filled-in example; Setup: 12 months of income and your baseline (lowest month, average of lowest 3, or your own number); Budget Tiers: Essentials, Important, Wants and Goals, 10 lines each, with a check that essentials fit your baseline. See the full list in the description.
- File format and pages: Two .xlsx files; Standard formulas only, no macros; Works in spreadsheet apps that open .xlsx files.
Made to order, shipped free with tracking
- Free shipping on every US order, with tracking
- Ships in 2–5 business days, arrives in about 10
- Made to order, so no returns or size exchanges
- Refund if it misses our quality standard
- Questions? We reply within 24 hours
Description
A budget that works when income doesn’t repeat. You plan to your baseline, essentials get paid first, and good months quietly build the cushion for slow ones.
What’s included
- Blank workbook plus a filled-in example
- Setup: 12 months of income and your baseline (lowest month, average of lowest 3, or your own number)
- Budget Tiers: Essentials, Important, Wants and Goals, 10 lines each, with a check that essentials fit your baseline
- Month Planner: enter income so far and see each item funded, partly funded or not funded, in priority order
- Buffer: leftover goes in, slow months draw out to cover essentials, with a target of months of essentials
File details
- Two .xlsx files
- Standard formulas only, no macros
- Works in spreadsheet apps that open .xlsx files
How it works
- Enter your income history and pick a baseline
- List expenses by tier
- Each month, enter income and read the plan
Good to know
- This is a planning tool, not financial advice.
- This is a digital download. Nothing is shipped.
- Your download link appears on the order confirmation page and in your order email as soon as payment clears.
- Personal use license: print and use it for yourself and your household. Please don’t resell, share or redistribute the files.
- Because this is a digital product we can’t accept returns. If a file won’t open or something is wrong, contact us and we’ll make it right.
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