Freelancer and Self-Employed Income Planner
Smooth irregular income and plan for taxes.
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Create a planner for irregular income. Work type and clients: [WORK_AND_CLIENTS]. Income history (monthly, last 12 months if known): [INCOME_HISTORY]. Fixed monthly living costs: [LIVING_COSTS]. Business expenses: [BUSINESS_EXPENSES]. Country: [COUNTRY]. Spreadsheet app: [SPREADSHEET_APP]. Tax rules differ; verify with official sources or a professional. Build the workbook and the rules as a decision tree for each incoming payment: 1. Set aside the tax percentage immediately (rate as an editable input with a source label [VERIFY]) into a tax account. 2. Set aside business expenses and the next quarter's software, insurance, and equipment costs. 3. IF the buffer account is below [BUFFER_MONTHS] months of costs THEN top it up before paying myself extra. 4. Pay myself a steady monthly "salary" based on the average of the last 6 to 12 months of income, not the latest month. 5. IF there is a surplus above the target THEN split between retirement savings, debt reduction, and business investment. 6. IF a month's income falls short THEN draw from the buffer and record the shortfall. Include tabs: income log, accounts and allocations, monthly summary, 12-month forecast with pessimistic, expected, and optimistic scenarios, average income calculation, and a pipeline view of expected invoices with probability. Provide formulas, sample data, and a monthly 20-minute money meeting routine. Add reminders to check payment terms and late payments.
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