Built for people without a fixed paycheck
Most budgeting advice assumes the same salary lands on the same day every month. If you freelance, run a small business, drive for a platform or earn commission, that advice falls apart quickly. These calculators start from how irregular income really works:
- Tax comes first. Set aside a percentage of every client payment before you spend anything. Use the tax set-aside calculator.
- Smooth the income. Put payments into a buffer account and pay yourself a fixed monthly salary. Use the pay-yourself-a-salary calculator.
- Two budgets, not one. A lean budget for slow months and a full budget for normal months. Use the lean vs full / 50-30-20 calculator.
- Then attack debt and save. Compare snowball vs avalanche and turn saving into a habit with a 52-week challenge.
Private by design
Every calculation runs in your browser. Your numbers are never uploaded. They're saved on your own device, so they're still there next time. There's no account, no email gate and no tracking cookies.