• May include: A digital budget and spending workbook for Excel and Google Sheets titled Every Dollar, Accounted For. The graphic features a pie chart, a bar graph, and the text 8 Tabs, Paycheck Allocator, and Kollaz on a dark green background.
  • May include: A digital budget and spending workbook interface featuring 8 tabs labeled: 01 Start Here, 02 Dashboard, 03 Paycheck Allocator, 04 Transactions, 05 Budget vs Actual, 06 Debt Snowball, 07 Sinking Funds, and 08 Categories, with 2026 math and no macros.
  • May include: A digital paycheck allocator spreadsheet template featuring a table with columns for categories, percentages, and dollar amounts. The document includes text fields for paycheck amount, pay dates, and a list of budget buckets with totals.
  • May include: A digital financial dashboard template titled EVERY NUMBER, ONE PAGE DASHBOARD. It features sections for monthly income, expenses, savings, debt payoff, and sinking funds, with a bar chart showing spending by category and callout boxes.
  • May include: A digital graphic titled 8 TABS BUDGET & SPENDING RUNNING IN 3 STEPS. It lists 1. ENTER: type your paycheck and pay dates, 2. SPLIT: give every dollar a job, 3. TRACK: log spending; the totals follow. Includes 8-TAB WORKBOOK, REAL 2026 MATH, NO MACROS, and KOLLAZ.
  • May include: A financial infographic titled THE MATH OUT LOUD with the header BUDGET & SPENDING. It displays a budget example for a $1,850 paycheck, breaking down allocations into 50% fixed bills, 30% variable spending, 15% savings, and 5% debt payment.
  • May include: A digital graphic featuring the text BUDGET & SPENDING, NO FINE PRINT, NO MACROS, EXCEL + GOOGLE SHEETS, ONE PAYMENT. YOURS FOREVER. KOLLAZ. The image displays translucent floating charts, a pie chart, and bar graphs with light trails.
  • May include: A dark green graphic featuring the word KOLLAZ in a bold, three-dimensional font with a green K and black letters. Below the logo, the text reads Smart financial tools for modern money and etsy.com/shop/kollaz.
  • May include: A digital budget and spending workbook for Excel and Google Sheets titled Every Dollar, Accounted For. The graphic features a pie chart, a bar graph, and the text 8 Tabs, Paycheck Allocator, and Kollaz on a dark green background.
  • Product video
  • May include: A digital budget and spending workbook interface featuring 8 tabs labeled: 01 Start Here, 02 Dashboard, 03 Paycheck Allocator, 04 Transactions, 05 Budget vs Actual, 06 Debt Snowball, 07 Sinking Funds, and 08 Categories, with 2026 math and no macros.
  • May include: A digital paycheck allocator spreadsheet template featuring a table with columns for categories, percentages, and dollar amounts. The document includes text fields for paycheck amount, pay dates, and a list of budget buckets with totals.
  • May include: A digital financial dashboard template titled EVERY NUMBER, ONE PAGE DASHBOARD. It features sections for monthly income, expenses, savings, debt payoff, and sinking funds, with a bar chart showing spending by category and callout boxes.
  • May include: A digital graphic titled 8 TABS BUDGET & SPENDING RUNNING IN 3 STEPS. It lists 1. ENTER: type your paycheck and pay dates, 2. SPLIT: give every dollar a job, 3. TRACK: log spending; the totals follow. Includes 8-TAB WORKBOOK, REAL 2026 MATH, NO MACROS, and KOLLAZ.
  • May include: A financial infographic titled THE MATH OUT LOUD with the header BUDGET & SPENDING. It displays a budget example for a $1,850 paycheck, breaking down allocations into 50% fixed bills, 30% variable spending, 15% savings, and 5% debt payment.
  • May include: A digital graphic featuring the text BUDGET & SPENDING, NO FINE PRINT, NO MACROS, EXCEL + GOOGLE SHEETS, ONE PAYMENT. YOURS FOREVER. KOLLAZ. The image displays translucent floating charts, a pie chart, and bar graphs with light trails.
  • May include: A dark green graphic featuring the word KOLLAZ in a bold, three-dimensional font with a green K and black letters. Below the logo, the text reads Smart financial tools for modern money and etsy.com/shop/kollaz.
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Irregular Income Budget Spreadsheet | Freelancer Paycheck Planner (Google Sheets + Excel)

Item highlights

  • Digital download
  • Digital file type(s): 1 ZIP

Seller's description

The Payday Budget Dashboard by Kollaz is built for irregular income. It answers one question on payday: what does this paycheck have to cover, and what is safe to spend? Enter a paycheck amount and its dates, and the sheet splits it across bills, spending, savings, and extra debt payment. Eight tabs with a debt snowball, sinking funds, and alerts.

This is for a freelancer or gig worker with irregular pay who needs a paycheck-by-paycheck budget that works when income doesn't.

Your paycheck changes every month. Your budget should keep up.

It answers the only question that matters on payday: what does this paycheck have to cover, and what is truly safe to spend? No budget experience needed, no spreadsheet skills required.

Most budget templates assume you get the same paycheck twice a month. If you are a freelancer, a shift worker, or a gig worker, you know that is not how life works. The Payday Budget Dashboard is built around the way irregular income actually arrives: paycheck by paycheck.

**THE SAFE-TO-SPEND NUMBER**
One big number on your dashboard answers the question "can I afford this?" It is calculated as income minus expenses minus planned savings, and it recalculates every time you log a transaction. In the sample data that ships with the file, a $5,145 month with $2,841.87 in expenses leaves $2,003.13 that is truly safe to spend. You replace the sample numbers with your own in minutes.

**THE PAYCHECK ALLOCATOR**
Enter any paycheck amount plus the dates it has to cover, and the Allocator splits it into four buckets: bills, variable spending, savings, and extra debt payment. A built-in 100% check turns pink until every dollar is assigned. Cream means you're good.

**8 CONNECTED TABS, ONE SYSTEM**
Dashboard, Paycheck Allocator, Transactions, Budget vs Actual, Debt Snowball, Sinking Funds, a guided Start-Here tab, and an editable Categories list (21 categories, room to add 7 more). Everything talks to everything else: log spending with smart dropdowns, and the Dashboard, savings rate, top-3 spending categories, and debt progress all update on their own.

**BUDGET VS ACTUAL WITH COLOR ALERTS**
Set a monthly budget per category. The sheet pulls your actual spending from your transaction log and flags any category pink when you pass 100% of budget.

**DEBT SNOWBALL + SINKING FUNDS**
Debts auto-rank smallest balance first, so you always know which one to attack next. Sinking funds quietly track big irregular bills like car repairs or Christmas, so they never surprise you again.

COMPATIBILITY (verified Sept 2026): Verified clean in Excel for the web (headline values checked) and LibreOffice (full formula recalculation, zero errors, Sept 2026). Google Sheets import verified on the pre-rebrand build; post-rebrand Sheets re-verification pending. Standard .xlsx format, no macros, nothing to install.

Our Sheets test (pre-rebrand build): all 8 tabs converted cleanly, 13 out of 13 checked values matched the original to the cent (income $5,145.00, expenses $2,841.87, safe-to-spend $2,003.13), and every formula, all 1,491 validated input cells, and the dashboard chart were verified working, with zero errors on any tab. It runs in a free Google account, no add-ons needed.

*One honest note: the debt progress bars are an Excel-native visual. In Google Sheets the progress numbers display and compute exactly the same; you just do not see the in-cell bar graphic. If you open the file in Excel, the bars appear as designed.*

**EASY TO START: NO SPREADSHEET EXPERTISE NEEDED**
Everything you touch is a cream-colored cell. Type over the sample numbers, follow the 8-step Start-Here guide, and the dashboard does the rest. If you can use email, you can use this.

**YOUR FIRST 60 SECONDS**
• Google Sheets: File → Make a copy, then type your numbers into the cream cells.
• Excel: click Enable Editing, then type your numbers into the cream cells.

**HOW IT WORKS:**
1. Download instantly after purchase
2. Open in Google Sheets (free) or Excel and follow the Start-Here guide: 8 guided steps, up and running in minutes
3. Enter a paycheck and let the dashboard do the rest. Sample data is included so you can see it working, and the guide shows you how to clear it

**YOU GET:**
• 1 Excel (.xlsx) file: verified clean in Excel for the web and LibreOffice (Sept 2026); Google Sheets re-verification pending

**PLEASE NOTE:** This is a digital download: no physical item will be shipped. Works with a free Google account or any recent version of Excel. Because digital products cannot be returned, refunds are not available. But message me about any issue and I'll make it right.

*Built by the Kollaz studio. Smart financial tools for modern money.*

Try the live demo (view-only sample): https://drive.google.com/file/d/19mZtSB01ciOyu0FAzHn_wCFqs0nxDFT3/view?usp=sharing

My paycheck changes every month. How do I budget for that?
Most budget templates assume you get the same paycheck twice a month. If you are a freelancer, a shift worker, or a gig worker, that is not how life works. This dashboard is built around the way irregular income actually arrives: paycheck by paycheck.

What is the safe-to-spend number?
One big number on your dashboard answers "can I afford this?" It is calculated as income minus expenses minus planned savings, and it recalculates every time you log a transaction. The Paycheck Allocator splits any paycheck into bills, variable spending, savings, and extra debt payment, with a built-in 100% check that turns pink until every dollar is assigned.

What happens when I go over budget?
The sheet pulls your actual spending from your transaction log and flags any category pink when you pass 100% of budget. Debts auto-rank smallest balance first, so you always know which one to attack next.

Does it work in Google Sheets?
Google Sheets import was verified on the pre-rebrand build: all 8 tabs converted cleanly, 13 of 13 checked values matched to the cent, every formula and the dashboard chart worked, zero errors. Post-rebrand Sheets re-verification is pending. Verified clean in Excel for the web and LibreOffice, September 2026. One honest note: the debt progress bars are an Excel-native visual. In Google Sheets the numbers compute identically, you just do not see the in-cell bars.

Do I need budget or spreadsheet experience?
No. Everything you touch is a cream-colored cell, the 8-step Start-Here guide walks you through setup, and sample data is included. If you can use email, you can use this.

How fast can I start?
Download instantly, open in Google Sheets or Excel, follow the Start-Here guide: 8 guided steps, up and running in minutes.

What if I get paid on an irregular schedule?
That is what the Paycheck Allocator is for: enter any paycheck amount plus the dates it has to cover, and it splits the money across bills, variable spending, savings, and extra debt payment.

Format: 1 Excel (.xlsx) file: standard format, no macros, nothing to install
Tabs: 8: Dashboard, Paycheck Allocator, Transactions, Budget vs Actual, Debt Snowball, Sinking Funds, Start-Here (8 guided steps), Categories (21 categories, room to add 7 more)
Everything connected: log spending with smart dropdowns and the Dashboard, savings rate, top-3 spending categories, and debt progress all update on their own
Sinking funds: quietly track big irregular bills like car repairs or Christmas so they never surprise you
Sample data: included so you can see it working; the Start-Here guide shows how to clear it
Input cells: cream-colored cells; sample data pre-loaded
Compatibility: verified clean in Excel for the web and LibreOffice (September 2026); Google Sheets import verified on the pre-rebrand build (post-rebrand re-verification pending); runs in a free Google account, no add-ons needed
Maker: Kollaz: Smart financial tools for modern money
Scope: digital download: no physical item ships; because digital products cannot be returned, refunds are not available, but message the shop about any issue and it will be made right

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NowPrice:$11.21

Original Price: $22.43

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Seller's description

Specifications

May include: A digital budget and spending workbook for Excel and Google Sheets titled Every Dollar, Accounted For. The graphic features a pie chart, a bar graph, and the text 8 Tabs, Paycheck Allocator, and Kollaz on a dark green background.

The Payday Budget Dashboard by Kollaz is built for irregular income. It answers one question on payday: what does this paycheck have to cover, and what is safe to spend? Enter a paycheck amount and its dates, and the sheet splits it across bills, spending, savings, and extra debt payment. Eight tabs with a debt snowball, sinking funds, and alerts.

This is for a freelancer or gig worker with irregular pay who needs a paycheck-by-paycheck budget that works when income doesn't.

Your paycheck changes every month. Your budget should keep up.

It answers the only question that matters on payday: what does this paycheck have to cover, and what is truly safe to spend? No budget experience needed, no spreadsheet skills required.

Most budget templates assume you get the same paycheck twice a month. If you are a freelancer, a shift worker, or a gig worker, you know that is not how life works. The Payday Budget Dashboard is built around the way irregular income actually arrives: paycheck by paycheck.

**THE SAFE-TO-SPEND NUMBER**
One big number on your dashboard answers the question "can I afford this?" It is calculated as income minus expenses minus planned savings, and it recalculates every time you log a transaction. In the sample data that ships with the file, a $5,145 month with $2,841.87 in expenses leaves $2,003.13 that is truly safe to spend. You replace the sample numbers with your own in minutes.

**THE PAYCHECK ALLOCATOR**
Enter any paycheck amount plus the dates it has to cover, and the Allocator splits it into four buckets: bills, variable spending, savings, and extra debt payment. A built-in 100% check turns pink until every dollar is assigned. Cream means you're good.

**8 CONNECTED TABS, ONE SYSTEM**
Dashboard, Paycheck Allocator, Transactions, Budget vs Actual, Debt Snowball, Sinking Funds, a guided Start-Here tab, and an editable Categories list (21 categories, room to add 7 more). Everything talks to everything else: log spending with smart dropdowns, and the Dashboard, savings rate, top-3 spending categories, and debt progress all update on their own.

**BUDGET VS ACTUAL WITH COLOR ALERTS**
Set a monthly budget per category. The sheet pulls your actual spending from your transaction log and flags any category pink when you pass 100% of budget.

**DEBT SNOWBALL + SINKING FUNDS**
Debts auto-rank smallest balance first, so you always know which one to attack next. Sinking funds quietly track big irregular bills like car repairs or Christmas, so they never surprise you again.

COMPATIBILITY (verified Sept 2026): Verified clean in Excel for the web (headline values checked) and LibreOffice (full formula recalculation, zero errors, Sept 2026). Google Sheets import verified on the pre-rebrand build; post-rebrand Sheets re-verification pending. Standard .xlsx format, no macros, nothing to install.

Our Sheets test (pre-rebrand build): all 8 tabs converted cleanly, 13 out of 13 checked values matched the original to the cent (income $5,145.00, expenses $2,841.87, safe-to-spend $2,003.13), and every formula, all 1,491 validated input cells, and the dashboard chart were verified working, with zero errors on any tab. It runs in a free Google account, no add-ons needed.

*One honest note: the debt progress bars are an Excel-native visual. In Google Sheets the progress numbers display and compute exactly the same; you just do not see the in-cell bar graphic. If you open the file in Excel, the bars appear as designed.*

**EASY TO START: NO SPREADSHEET EXPERTISE NEEDED**
Everything you touch is a cream-colored cell. Type over the sample numbers, follow the 8-step Start-Here guide, and the dashboard does the rest. If you can use email, you can use this.

**YOUR FIRST 60 SECONDS**
• Google Sheets: File → Make a copy, then type your numbers into the cream cells.
• Excel: click Enable Editing, then type your numbers into the cream cells.

**HOW IT WORKS:**
1. Download instantly after purchase
2. Open in Google Sheets (free) or Excel and follow the Start-Here guide: 8 guided steps, up and running in minutes
3. Enter a paycheck and let the dashboard do the rest. Sample data is included so you can see it working, and the guide shows you how to clear it

**YOU GET:**
• 1 Excel (.xlsx) file: verified clean in Excel for the web and LibreOffice (Sept 2026); Google Sheets re-verification pending

**PLEASE NOTE:** This is a digital download: no physical item will be shipped. Works with a free Google account or any recent version of Excel. Because digital products cannot be returned, refunds are not available. But message me about any issue and I'll make it right.

*Built by the Kollaz studio. Smart financial tools for modern money.*

Try the live demo (view-only sample): https://drive.google.com/file/d/19mZtSB01ciOyu0FAzHn_wCFqs0nxDFT3/view?usp=sharing

My paycheck changes every month. How do I budget for that?
Most budget templates assume you get the same paycheck twice a month. If you are a freelancer, a shift worker, or a gig worker, that is not how life works. This dashboard is built around the way irregular income actually arrives: paycheck by paycheck.

What is the safe-to-spend number?
One big number on your dashboard answers "can I afford this?" It is calculated as income minus expenses minus planned savings, and it recalculates every time you log a transaction. The Paycheck Allocator splits any paycheck into bills, variable spending, savings, and extra debt payment, with a built-in 100% check that turns pink until every dollar is assigned.

What happens when I go over budget?
The sheet pulls your actual spending from your transaction log and flags any category pink when you pass 100% of budget. Debts auto-rank smallest balance first, so you always know which one to attack next.

Does it work in Google Sheets?
Google Sheets import was verified on the pre-rebrand build: all 8 tabs converted cleanly, 13 of 13 checked values matched to the cent, every formula and the dashboard chart worked, zero errors. Post-rebrand Sheets re-verification is pending. Verified clean in Excel for the web and LibreOffice, September 2026. One honest note: the debt progress bars are an Excel-native visual. In Google Sheets the numbers compute identically, you just do not see the in-cell bars.

Do I need budget or spreadsheet experience?
No. Everything you touch is a cream-colored cell, the 8-step Start-Here guide walks you through setup, and sample data is included. If you can use email, you can use this.

How fast can I start?
Download instantly, open in Google Sheets or Excel, follow the Start-Here guide: 8 guided steps, up and running in minutes.

What if I get paid on an irregular schedule?
That is what the Paycheck Allocator is for: enter any paycheck amount plus the dates it has to cover, and it splits the money across bills, variable spending, savings, and extra debt payment.

Format: 1 Excel (.xlsx) file: standard format, no macros, nothing to install
Tabs: 8: Dashboard, Paycheck Allocator, Transactions, Budget vs Actual, Debt Snowball, Sinking Funds, Start-Here (8 guided steps), Categories (21 categories, room to add 7 more)
Everything connected: log spending with smart dropdowns and the Dashboard, savings rate, top-3 spending categories, and debt progress all update on their own
Sinking funds: quietly track big irregular bills like car repairs or Christmas so they never surprise you
Sample data: included so you can see it working; the Start-Here guide shows how to clear it
Input cells: cream-colored cells; sample data pre-loaded
Compatibility: verified clean in Excel for the web and LibreOffice (September 2026); Google Sheets import verified on the pre-rebrand build (post-rebrand re-verification pending); runs in a free Google account, no add-ons needed
Maker: Kollaz: Smart financial tools for modern money
Scope: digital download: no physical item ships; because digital products cannot be returned, refunds are not available, but message the shop about any issue and it will be made right

  • Designed by
    Kollaz
  • Item type
    Digital download
  • Digital file type(s)
    1 ZIP
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Meet your seller

Valentin
Kollaz ·

Ottawa, Canada

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2.5 years on Etsy

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