Irregular Income Budget Spreadsheet, Freelancer Budget Planner, Google Sheets and Excel, Self Employed Pay, Tax Set Aside, Invoices

Steady Pay is a budget spreadsheet for freelancers, contractors, creators and anyone whose income changes month to month — it turns lumpy income into a steady pay you give yourself from a buffer.

Works with: Google Sheets (make your copy on a computer) and Excel 2019+ / 365. Instant download. No subscription.

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WHAT'S INCLUDED
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• Includes a filled EXAMPLE workbook, Access Guide (Google Sheets link), and Quick Start / how-to notes — open EXAMPLE before your blank.
• Access Guide PDF with your Make a copy Google Sheets link
• Quick Start (how to use Steady Pay — included with your download)
• Blank Excel file plus an EXAMPLE filled with fictional sample data
• 7 clear tabs: Start Here, Dashboard, Income Log, Invoices, Spending, Year View, Settings (plus Read Me)
• Pay yourself a steady amount from a buffer; tax set-aside; invoices; platform fees; Quick mode

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HOW IT WORKS
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1. Open the access guide, make your copy (or open the .xlsx), then explore the EXAMPLE.
2. On Start Here, choose your pay method (fixed, worst month, or average × safety %) and tax set-aside %. Type only in the soft cream cells with a dark edge — everything else is protected.
3. Log income and invoices — the Dashboard shows pay this month, buffer, runway, tax reserve and money owed.

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WHY YOU'LL LOVE IT
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• Built for irregular income, not a fixed paycheck assumption
• Tax set-aside % and tax months you choose — works in any country
• Platform fees per payment (gross, fees, net) with editable presets
• Invoices flagged Waiting, Overdue or Paid
• Quick mode: monthly totals per category instead of every purchase
• Year View that can start in any month

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FAQ
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Q: Does this work in Google Sheets and Excel?
A: Yes. You get an Excel workbook and a Google Sheets link (via the Access Guide). Use whichever you prefer — no subscription to YamCo.

Q: How do I download and open it?
A: After purchase, open your Etsy Purchases (or confirmation email) and download the files. Start with the Access Guide PDF — it has the Google Sheets button and any backup link. Then open the EXAMPLE file before the blank.

Q: Can I use it on my phone?
A: You can view it on a phone, but setup and day-to-day typing are much easier on a computer or tablet. The Sheets / Excel mobile apps hide some features — we recommend a laptop or desktop for the first setup.

Q: Is this for personal use only?
A: Yes — for personal use only. Please don't share the download link or resell the files.

Q: What's your refund policy on digital files?
A: Digital files can't be returned for a change of mind once downloaded, so please check the details and preview before buying. If a file is faulty or doesn't match the description, message us and we'll fix it or send a replacement. If we can't fix it, or there's a major problem, you can choose a refund instead. This doesn't affect your rights under your local consumer law.

Q: Where should I start so it isn't confusing?
A: Open the EXAMPLE file first (about 2 minutes) — it's filled with sample data so you can see how it works. Then open your blank file and type only in the soft cream cells with a dark edge — everything else is protected. Start Here is the first tab.

Q: Where do I type?
A: Type only in the soft cream cells with a dark edge — everything else is protected.

Q: Is the tax set-aside advice?
A: No. It's an estimate from the % you choose. General information only — not financial or tax advice.

Q: Is there a video walkthrough?
A: [YouTube how-to — add when live]

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ALSO FROM YAMCO
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• Budget Pro (AU): https://www.etsy.com/listing/4606050732/budget-pro-au-2026-27-australian-budget
• Monthly Budget Planner: https://www.etsy.com/listing/4606032169/monthly-budget-planner-spreadsheet
• Pricing Calculator: https://www.etsy.com/listing/4606041021/etsy-pricing-calculator-spreadsheet

PLEASE NOTE
• Tax set aside is an estimate from the % you choose. General information only, not financial or tax advice.
• For personal use only. Please don't share or resell.

THE YAMCO WORKS-OR-WE-FIX-IT PROMISE
Digital files can't be returned for a change of mind once downloaded, so please check the details and preview before buying. If a file is faulty or doesn't match the description, message us and we'll fix it or send a replacement. If we can't fix it, or there's a major problem, you can choose a refund instead. This doesn't affect your rights under your local consumer law.

AI disclosure: YamCo makes its products with the help of AI tools. AI was used to build this spreadsheet, run its automated formula checks, and draft this description, following YamCo's design and brief.

YamCo