Freelance income moves around. POCKET HARBOR is an English-language, currency-symbol-neutral XLSX budgeting workbook for people managing irregular income. Track Received and Expected income separately, record expenses, review a selected calendar year and compare editable Base, Lean and Strong assumptions.

The ink, coral and mint design distinguishes headings, editable inputs and formulas. Both editions have six tabs: Start Here, Settings, Income, Expenses, Monthly Summary and Buffer & Scenarios; 250 prepared income rows and 250 expense rows; dropdowns and zero-activity handling. The Example workbook contains clearly marked fictional transactions to remove. The Clean workbook starts transaction-free.

Your ZIP includes POCKET_HARBOR_Example.xlsx, POCKET_HARBOR_Clean.xlsx, README.md and LICENSE.txt. Designed for current Excel and LibreOffice Calc; opening recalculates formulas. Google Sheets imports may change formulas, formatting or validation—review after importing. No macros or external links.

One calendar year and one currency per file. No currency conversion, bank sync, invoicing or tax filing. Reserve percentage is your assumption, not a tax calculation. Tracked cash is not a bank balance and depends on complete inputs. Financial tracking only, not financial or tax advice. Personal/one-business internal use; no resale or redistribution. Digital files only.