Safe to spend this month
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Buffer (after tax)
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Tax set aside
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Runway
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months of salary in your buffer
Income vs. your monthly salary
Bars: income after tax per month. Line: the salary you pay yourself. Months above the line refill your buffer, months below are covered by it.
This month:
Add income
Income log
Add expense
Expenses
1 · Your monthly salary
- All client payments land in your buffer. The tax share is set aside automatically.
- Once a month you pay yourself the same salary from the buffer, good month or slow month.
- Bills and spending come out of that salary. Big months grow the buffer instead of your spending.
2 · Monthly bills
3 · Spending categories
4 · Tax payments
Backup & devices
Your data lives only in this browser on this device. Nothing is uploaded. Save a backup file regularly, and use it to move your data to another device or browser.
Preferences
Try it with sample data
Loads 12 months of example freelance income so you can see how everything works. This replaces your current data, so save a backup first.
About
Smooth Months by BrookSheets. Works offline, no account, no subscription. This tool helps you organise your own numbers and is not tax or financial advice.