Irregular Income Budget Planner
A budget for uneven pay: a safe monthly floor, a buffer and what to do in a lean month.
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?
Try it here
A live demo with a made-up example. Nothing you type here is saved or sent anywhere.
What it does
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.
How it works
- 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.
What you receive
- 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
Good to know
- 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.
A closer look
Buy it on Etsy and download the files straight away.