Irregular Income Budget Planner
Un budget per entrate irregolari: una base mensile sicura, un cuscinetto e cosa fare nei mesi magri.
Irregular income budget by Envelo PayFloor: a safe steady pay you can live on, your income floor and a buffer that carries the slow months.
Freelance, commission, tips or seasonal work? When every month is different, a normal budget breaks. PayFloor answers the real questions: how much can I pay myself every month, how bad is my slowest month, and how big should my buffer be?
Provalo qui
Una demo dal vivo con un esempio inventato. Nulla di ciò che scrivi qui viene salvato o inviato.
Cosa fa
I dettagli del prodotto sono in inglese.
What you can do
- Add your past months of income before tax – twelve months show the slow and the busy seasons best, two are enough to start
- Set aside a share for tax first, if nobody takes it from your pay
- See your average month, your floor (the lowest month after tax) and your highest month, with a chart
- Get a safe steady pay: the highest pay at which your buffer would never have gone below zero in your own past months
- Mark costs essential or flexible and see what is left each month, and whether your floor covers the essentials
- Buffer goal of a few months of essentials, the months to reach it, and your history replayed month by month
- This month: split what came in – tax aside, the rest into the buffer, your steady pay out
- CSV in and out, print or save as PDF, backup and restore
Example inside
A made-up freelance illustrator with twelve very different months: from 1,200 to 5,300 before tax, 25% set aside for tax. PayFloor suggests a steady pay of 2,270 a month. After all costs, 215 is left each month, and the buffer reaches its goal of 5,460 – three months of essentials – in 12 months.
Come funziona
- Download the ZIP and START-HERE.pdf from Etsy after checkout.
- Unzip and open Envelo-PayFloor.html in your web browser. Look at the filled example, then press My numbers.
- Add your past months and your monthly costs. Everything updates as you type and saves in your browser.
Cosa ricevi
- START-HERE.pdf (0.12 MB)
- Envelo-PayFloor-v1.0.zip (1.71 MB)
Inside the ZIP:
- Envelo-PayFloor.html: the app, opens in your browser by double click and works offline, 11 languages
- Envelo-PayFloor.xlsx: spreadsheet edition with a 10-language switch – your months, costs, steady pay and buffer
- Envelo-PayFloor-Arabic.xlsx: the same spreadsheet in Arabic, right to left
- examples/: the filled example as a backup file and the example lists as CSV
- START-HERE/: the guide in 11 languages
- LICENSES.txt and WHAT_YOU_GET.txt
Buono a sapersi
- This is a digital download. Nothing is shipped.
- No subscription and no account. The app runs on your device and uploads nothing.
- PayFloor works with the numbers you enter. Your past months do not promise the next ones. It is a planning tool, not financial or tax advice.
- Your numbers do not sync between devices; move them with the backup file.
- For your own use. Please don't resell or share the files.
- The app, its logo, the texts and the translations were made as code with the help of an AI coding assistant. No AI image generators were used.
Più da vicino
Le immagini mostrano la versione inglese dei file.
Compralo su Etsy e scarica subito i file.