Tally Birch

2027 Budget Planner — Irregular Income Edition

Irregular income? Pay yourself a steady salary in 2027.

2027 Budget Planner — Irregular Income Edition preview

Built for freelancers, creators and anyone whose income goes up and down. Every payment goes into a buffer, tax is set aside automatically, and you pay yourself the same baseline amount each month — so you always know your runway.

What's inside

  • Income Smoothing sheet: steady monthly pay from irregular income
  • Automatic tax set-aside with a running tax pot
  • Runway in months + status alerts
  • Transactions log with category dropdowns (1,000 rows)
  • Monthly budget vs actual for 40 categories
  • Dashboard with charts, top-8 spending and 50/30/20 check
  • Works in Excel and Google Sheets
  • Blank, ready to use + step-by-step Start Here sheet

Look inside

Screenshots show example data. Your download is blank and ready to fill in.

Dashboard: income, spending, savings rate, runway, top categories and 50/30/20 check
Dashboard: income, spending, savings rate, runway, top categories and 50/30/20 check
Income Smoothing: tax set-aside, steady monthly pay and buffer balance
Income Smoothing: tax set-aside, steady monthly pay and buffer balance
Monthly Budget: actual vs plan for every category — overspends turn red
Monthly Budget: actual vs plan for every category — overspends turn red