Variable Income Budget App: Safe to Spend Planner, Irregular Pay by WiseYears Apps
$14.99
A budget written for a steady paycheck needs a different check when the deposit changes. Commissions, tips, project payments, seasonal work, and a smaller month all ask the same question: after the bills, what is safe to spend?
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See how it works
The screenshots below are from the app, in the order you work through them.
Step 1
Open the file.
Step 2
Enter the balance, the next payment, and the tax rate.
Step 3
Add bills and read the safe-to-spend number.
Screenshot
Screenshot from the app.
Screenshot
Screenshot from the app.
Screenshot
Screenshot from the app.
Watch the walkthrough
What's inside
- A planner for months when income is not the same number twice.
- Room to list what came in, then set aside bills and the amounts you mean to keep.
- A safe-to-spend figure for the month you are in, rather than a yearly average that hides a short month.
- This is an app, not a spreadsheet file.
Who it's for
- Households with irregular pay
- Freelancers and shops whose deposits vary
- Anyone planning a month when the deposit changes
Details
Paid different amounts every month, and never sure how much you can actually spend? This is a real app that opens in your web browser, not an Excel or Google Sheets template. Watch the full walkthrough: https://youtu.be/MZfIW8KnUw0 Variable Income Budget is a budget app for irregular income. It gives you one number: what's safe to spend until your next deposit, after bills, debt minimums, savings, tax and a buffer are covered. Log money as it comes in and spending as it goes out, and the app does the math for you. Why it's better Safe to spend until your next deposit, plus a daily amount, instead of a monthly budget that needs a different check when pay is late Tax set-aside built in: see how much of each payment to move for taxes Income floor shows your lowest month so you can budget like it's a salary Works offline and your data stays on your device Buy once, no subscription, no account, no monthly fee What's included Variable Income Budget app (one file that opens in your browser) Built-in example budget to explore first Start Here guide What it does Today: your safe-to-spend number, daily amount and bills due before you get paid Monthly picture: what came in, what went out and what you kept Income: log deposits and expected payments Spending and bills: log spending and mark bills paid Debts: snowball or avalanche payoff order Funds: save ahead for car insurance, holidays and other bills that sneak up Tax: set your rate and track what you've moved Print a one-page summary How it works Open the file in Chrome, Edge, Safari or Firefox. Enter your checking balance, your next expected payment and your tax rate. Add your bills, then check your safe-to-spend number any time. Privacy and backup Everything stays in your browser on your device. Nothing is uploaded and there's no login. Use Export backup in Settings to save a copy, because clearing your browser history can clear the app. Good for Freelancers, gig workers, creators, commission and tip earners, seasonal workers and anyone whose pay changes month to month. Please note Instant digital download. Nothing will be shipped. For personal use. Not tax, legal or financial advice. Questions? Contact us through the form. Variable Income Budget by ReconciledBooksCo
Before you buy
A planner for numbers you enter. It does not give financial, tax, or legal advice.
Runs in the browser. This is an app, not a spreadsheet. Checkout and delivery open in a new tab.
Checkout and delivery open in a new tab. One purchase is for your own bookkeeping.
