Freelancer Budget Planner for Irregular Income | Self-Employed Digital Budget + Google Sheets Spreadsheet | GoodNotes Pop Art
Paid $6,000 one month and $800 the next? CHA-CHING! is a budget planner built for money that never arrives the same way twice. Made for freelancers, creatives, gig workers, commission earners and anyone who's self-employed, it gives you a simple system to smooth out lumpy income, pay yourself a steady amount, and stop dreading slow months. ★ WHAT'S INCLUDED • 33-page hyperlinked digital planner (PDF) for GoodNotes, Notability, Noteshelf, Xodo and other PDF annotation apps • Auto-calculating budget spreadsheet (.xlsx) — opens in Google Sheets or Excel • Bonus money sticker sheet: CHA-CHING!, PAID!, INVOICE SENT, NO SPEND DAY, FEAST MONTH! and more ★ HOW IT WORKS — THE TANK METHOD 1. Know your survival number: your bare-minimum month. 2. Pay yourself a baseline: every payment lands in one holding account (the tank), and you pay yourself the same amount from it each month. 3. Split every payment the day it lands: taxes first, then the tank, then goals. 4. Build the buffer: feast months fill the tank, lean months draw from it. Aim for 1, then 3, then 6 months. ★ INSIDE THE PLANNER • How It Works guide + Home page • My Numbers: survival budget, full budget, baseline pay, tax set-aside % • Bills & Due Dates with monthly checkboxes • Income Map: spot your lean and feast months • Fill the Tank buffer tracker with 1, 3 and 6-month milestones • Tax Tracker for quarterly estimated payments • 12 months x 2 pages: Money In (split every payment) + Money Out (bills & spending) • 564 clickable links and side tabs on every page • Undated — start any month, use any year ★ THE SPREADSHEET DOES THE MATH • Log a payment and it splits it into taxes, goals and the tank for you • Monthly summary tracks money in, tank balance and months of buffer saved • Tags each month LEAN, STEADY or FEAST automatically • Rolls tax set-asides up by quarter • Spending categories with dropdowns ★ GOOD TO KNOW • This is a DIGITAL DOWNLOAD. No physical item will be shipped. • Planner pages are landscape, sized for tablets (4:3). • You need a PDF annotation app to write in the planner, and Google Sheets or Excel for the spreadsheet. • The tax set-aside rate is your own estimate. This planner is an organizing tool, not tax or financial advice. • For personal use only. Please don't resell or share the files. Questions? Send me a message — I'm happy to help.
