Popis
$11,000 in March. $2,400 in April. Same rent both months.
Budgeting advice assumes a salary. If your income arrives in lumps —
freelance, 1099, commission, gig work — the standard advice quietly
fails, and the usual result is a feast-and-famine cycle plus a tax bill that
arrives as a surprise. The irregular income system turns those lumps into a steady monthly salary, tax reserve included.
This system fixes the structure rather than your willpower: the business
absorbs the volatility, and your personal life gets a fixed monthly
paycheck.
How it works
- Business operating account — the only account clients
pay into. Every payment is split the day it lands. - Tax reserve — a percentage of every dollar, moved
immediately. It is not your money. - Buffer — what pays your salary in a month when
revenue falls short. - Personal account — the same amount on the same date,
every month.
What’s inside
- 38-page workbook with 13 worksheets across 4 parts
- 11-tab tracker for Excel and Google Sheets
- Baseline built from your three worst months, not your
average — the difference between a system that survives a slow quarter
and one that doesn’t - Two-level spending floor: survival and comfortable, so you know exactly
which one you are defending - Full tax chain: self-employment tax, the deduction for half of it, taxable
income, federal and state, and the reserve percentage that follows - Quarterly estimated payments and safe harbor explained in plain English
- A rate floor calculation — the number below which taking work
actually costs you money
Why the tax rates are not built in
They change every year. A file with 2026 rates baked in would be quietly
wrong from January and you would not notice. Instead the tracker teaches you
the structure of the calculation and you enter the current year’s
figures. It stays correct for as long as you own it.
This is an educational and organizational tool, not tax or financial
advice. Tax rules vary by state and situation. Use it to get organised, then
confirm the specifics with a tax professional.
What the irregular income system includes
The irregular income system is a PDF workbook with an editable spreadsheet. It sets your expense floor, sizes the buffer you need, holds back a tax reserve automatically, and converts unpredictable deposits into a steady monthly salary you can plan around.
