Turn irregular freelance income into a stable monthly paycheck, with a buffer target to smooth the gaps.
Enter your last 6 months of income
List what actually came in each month (before taxes, after business expenses). This calculates a stable monthly "owner's pay" and the buffer you'd need to smooth out the gaps.
Average monthly income
Suggested stable owner pay
Buffer needed to start smoothing
The suggested stable pay is set slightly below your average so the buffer rebuilds over time instead of staying flat. In months you earn more than the stable amount, move the extra into a separate buffer account. In months you earn less, draw the difference from that account.
This is a planning tool, not tax or financial advice. It doesn't account for taxes, which you should still set aside separately, see the Tax Estimate tool.