Irregular Income Budget Planner

This tool analyzes your recent monthly incomes to find percentile baselines (P25, P50, P75). If your income volatility is high, it recommends budgeting at the conservative P25 level; otherwise it uses the median P50. Your current month's income is then allocated into spending tiers — essentials, lifestyle, growth, windfall, and buffer — based on where it falls relative to those percentile bands.

This tool intentionally excludes tax calculations. Use the SE-tax set-aside tool separately for that. All math runs locally in your browser.

After determining your budget tiers, calculate your SE-tax set-aside to know how much to reserve for self-employment taxes before spending.