Most budgets assume a paycheck: same amount, same day, every month. If your income comes from a few different places and none of them are guaranteed — freelance work, a side hustle, gig income, whatever — that kind of budget sets you up to feel behind every single month that doesn't hit average.

This spreadsheet works differently. You'll figure out your Baseline — the income you can count on even in a bad month — and build your must-cover budget against THAT number, not the average. Anything you earn above your Baseline is Bonus Money, and instead of it quietly disappearing into daily spending, it's automatically routed into debt, savings, and investing the moment it shows up.

What's inside:

- Income Streams — track up to 8 income sources over 6 months, auto-calculates your worst/average/best month

- Your Baseline — calculates itself, shows your real safety number

- Baseline Budget — your must-cover monthly costs, checked against your Baseline

- Bonus Allocation — decide in advance where surplus money goes (debt / savings / investing / fun), with the math done for you

- Debt Payoff tracker

- Savings Goals tracker

Real spreadsheet, real formulas — not a static template. Works in Excel or Google Sheets (just upload the file). Instant digital download.