If your income changes every month, a fixed budget never quite fits. This tracker is built for freelancers, shift workers and gig workers whose paychecks vary, so you can plan bills and savings even when every paycheck is different.

What's inside:

- An 8-tab Excel tracker with working formulas, plus Google Sheets instructions

- Dashboard: see your month at a glance

- Monthly Paycheck Log: record each paycheck as it arrives

- Bills & Fixed Costs: keep track of rent, utilities and other fixed bills

- Variable Spending: track day-to-day spending

- Savings Goals: set goals and watch your progress

- Debt Payoff: plan payments and track balances

- Irregular Income Plan: spread uneven income across the month

- Yearly Summary: review the whole year in one place

- A 3-page guide PDF, a README, and 8 CSV files

How to use it:

Type your pay into the yellow cells and the formulas do the rest. Totals, balances and summaries update automatically. Follow the guide's January example to set up your first month, then reuse the tracker every month.

Who it's for:

Freelancers, shift workers, gig workers, and anyone paid irregularly who wants a simple, practical way to stay on top of bills and savings.

You will receive a ZIP file containing the Excel tracker, the guide PDF, Google Sheets instructions, a README and 8 CSV files. For personal use only.