Spreadsheets for people whose income doesn't arrive on a schedule.
Budgets, debt plans, pricing and bookkeeping that already work. Type your numbers into the yellow cells; the formulas, charts and dashboards do the rest. Excel, Google Sheets and Apple Numbers.
See the sheets
Irregular Income Budget
For anyone whose paycheck changes every month: freelancers, gig workers, commission sales, tipped work.
- Log income as it lands; tax set-aside is calculated for you
- Monthly dashboard: income, spending, what's left
- Running buffer measured in months of living costs
- A 'safe salary' figure based on your leanest month
- Drop-down categories you can rename
Debt Payoff Planner
See exactly when you'll be debt-free, and how much interest each method costs.
- Up to 10 debts with balance, APR and minimum
- Switch between snowball and avalanche in one click
- 120-month payoff schedule with debt-free month
- Total interest paid, plus a balance chart
- Payment log to track what you actually paid
Freelance Rate & Quote Calculator
Work out the hourly and day rate your business actually needs, then price projects from it.
- Rate built from take-home goal, costs, tax and time off
- Recommended hourly, day and retainer rates
- Quote builder with contingency and deposit
- Project check: quoted vs. actual hours, real hourly rate
- Duplicate the quote tab for every client
Sinking Funds & Savings Goals
Stop being surprised by bills you knew were coming. Plan each one, month by month.
- Up to 15 funds with target amount and date
- Monthly set-aside calculated from today's date
- Progress bars and on-track status
- Deposits and withdrawals log with drop-downs
- Total monthly savings figure at a glance
Small Business Bookkeeping
Simple books for solo businesses and side projects. No accounting software required.
- Income and expense logs with your own categories
- Monthly profit & loss built automatically
- Summary: revenue, costs, profit, margin, tax set-aside
- Invoice tracker with days overdue
- Best month and monthly profit chart
The complete set: all five sheets
Irregular Income Budget, Debt Payoff Planner, Freelance Rate & Quote Calculator, Sinking Funds Tracker and Small Business Bookkeeping. US$55 separately.
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Questions
What do I get?
An instant download of .xlsx files right after checkout. Each file opens with a 'Start Here' tab explaining every step.
Does it work in Google Sheets?
Yes. In Google Drive choose New › File upload, then open the file with Google Sheets. It also opens in Excel (2019 or newer, or Microsoft 365) and Apple Numbers.
Do I need to know formulas?
No. You only type in the pale yellow cells. Everything green is calculated for you.
Is this financial or tax advice?
No. These are organising tools. For tax decisions, check with a qualified professional where you live.
Something isn't working?
Email us within 14 days of purchase and we'll fix it or refund you.