FILLABLE PDF BUDGET PLANNER

Budget with confidence when your paycheck changes every month

Built for freelancers, tip earners, commission and seasonal workers. Cover the essentials from a safe baseline, set aside taxes first, then give every extra dollar a job.

Get the planner · $14

How the planner works

A simple method for uneven income, in 24 pages you can type into or print.

1

Find your baseline

Look back 12 months and plan from a cautious income number, not your best month.

2

Set aside taxes first

Move a fixed percentage of every payment aside before you spend a dollar.

3

Cover the bare bones

Know exactly what your must-pay costs are, so slow months don't turn into panic.

4

Give extras a job

Good month? Top up your buffer, then sinking funds, debt and savings goals.

What's inside

  • Income baseline worksheet
  • Bare-bones budget and buffer fund targets
  • 12 undated monthly budget pages with income log, set-asides, fixed and variable expenses
  • Tax set-aside tracker
  • Bills and due dates
  • Sinking funds, buffer fund and debt payoff trackers
  • 5 savings goal trackers
  • Yearly overview and notes

Instant digital download. Works in free PDF apps like Adobe Acrobat Reader, or print it on US Letter paper.

See the planner

Questions?

How downloads work, which app to use, printing tips and more.

Read the FAQ