Free calculators and spreadsheets built for irregular income — budget on your lowest month, set aside tax on every payment, and always know what you can actually spend.
Try the tax calculatorSee the templatesNo sign-up. Runs in your browser.
Enter a payment and your tax rate — see exactly how much to set aside before you spend a cent.
Work backwards from the income you want to the minimum hourly rate you must charge.
Fill in four fields, print or save a clean invoice as PDF. Nothing is uploaded anywhere.
The lowest-month method: build your budget on your worst month so good months become bonuses, not lifelines.
One separate account, one percentage, zero April panic. How to never owe a surprise tax bill again.
Costs, taxes, unpaid time — the full math behind a rate that actually sustains a business.
Five fields per payment and a 10-minute weekly routine — the tracking system that survives busy weeks.
Our lite spreadsheet logs every payment and calculates your tax reserve automatically. Free forever.
Get the free tracker