Irregular Income Budget Planner, Freelance Budget, Variable Income Steady Pay Calculator, Buffer Fund Tracker, Offline App and Excel

Irregular income budget by Envelo PayFloor: a safe steady pay you can live on, your income floor and a buffer that carries the slow months.

Freelance, commission, tips or seasonal work? When every month is different, a normal budget breaks. PayFloor answers the real questions: how much can I pay myself every month, how bad is my slowest month, and how big should my buffer be?

WHAT YOU CAN DO
• Add your past months of income before tax – twelve months show the slow and the busy seasons best, two are enough to start
• Set aside a share for tax first, if nobody takes it from your pay
• See your average month, your floor (the lowest month after tax) and your highest month, with a chart
• Get a safe steady pay: the highest pay at which your buffer would never have gone below zero in your own past months
• Mark costs essential or flexible and see what is left each month, and whether your floor covers the essentials
• Buffer goal of a few months of essentials, the months to reach it, and your history replayed month by month
• This month: split what came in – tax aside, the rest into the buffer, your steady pay out
• CSV in and out, print or save as PDF, backup and restore

EXAMPLE INSIDE
A made-up freelance illustrator with twelve very different months: from 1,200 to 5,300 before tax, 25% set aside for tax. PayFloor suggests a steady pay of 2,270 a month. After all costs, 215 is left each month, and the buffer reaches its goal of 5,460 – three months of essentials – in 12 months.

LANGUAGES
The app switches between English, Español, Français, Deutsch, Português, Italiano, Nederlands, Polski, Русский, हिन्दी and العربية (right to left). The spreadsheet has a switch for the first 10 and a separate Arabic file.

HOW IT WORKS
1. Download the ZIP and START-HERE.pdf from Etsy after checkout.
2. Unzip and open Envelo-PayFloor.html in your web browser. Look at the filled example, then press My numbers.
3. Add your past months and your monthly costs. Everything updates as you type and saves in your browser.

WHAT YOU RECEIVE
• START-HERE.pdf (0.12 MB)
• Envelo-PayFloor-v1.0.zip (1.71 MB)
Inside the ZIP:
• Envelo-PayFloor.html: the app, opens in your browser by double click and works offline, 11 languages
• Envelo-PayFloor.xlsx: spreadsheet edition with a 10-language switch – your months, costs, steady pay and buffer
• Envelo-PayFloor-Arabic.xlsx: the same spreadsheet in Arabic, right to left
• examples/: the filled example as a backup file and the example lists as CSV
• START-HERE/: the guide in 11 languages
• LICENSES.txt and WHAT_YOU_GET.txt

IMPORTANT BEFORE BUYING
• This is a digital download. Nothing is shipped.
• No subscription and no account. The app runs on your device and uploads nothing.
• PayFloor works with the numbers you enter. Your past months do not promise the next ones. It is a planning tool, not financial or tax advice.
• Your numbers do not sync between devices; move them with the backup file.
• For your own use. Please don't resell or share the files.
• The app, its logo, the texts and the translations were made as code with the help of an AI coding assistant. No AI image generators were used.

Questions? Send us a message on Etsy.