A budget spreadsheet for freelancers and anyone whose income changes month to month. Plan on your low month, pay yourself a steady salary from a holding account, and see your balance day by day for the next 60–90 days, with the lowest point and its date.

What's inside

• Workbook in .ods and .xlsx: SAMPLE (fictional example data) and BLANK versions
• Irregular Income: up to 12 months of income → baseline (lowest or second-lowest month), fixed monthly salary, buffer target (1–3 months), runway in months
• Cash Forecast: up to 100 planned items (once, weekly, every 2 weeks, monthly, yearly) plus, if you choose, your subscriptions from the Recurring sheet → daily balance for 60–90 days, lowest balance and date, days below your safe balance, first day below 0, totals per month
• Transactions (1,000 rows), budget vs actual, yearly report with chart, subscriptions tracker
• 3-page PDF guide and a README (text)
• English only

Good to know

• Tested in LibreOffice Calc. Excel not tested. Google Sheets not tested.
• No macros, no scripts, no bank connection: you type in your own numbers.
• A planning tool, not financial or tax advice; it does not calculate tax.
• Personal use only. Digital download; do not resell or share the files.