{"product_id":"2027-irregular-income-budget-spreadsheet-pay-yourself-a-steady-salary-excel-google-sheets-cad-usd","title":"2027 Irregular-Income Budget Spreadsheet — Pay Yourself a Steady Salary (Excel \u0026 Google Sheets, CAD\/USD)","description":"\u003cp\u003eIncome that changes every month? This 2027 budget spreadsheet is built for freelancers, gig workers and commission earners. Your payments go into a buffer, and you pay yourself the same steady \"salary\" every month while the buffer allows — so a big month covers a slow one. By default, expenses you log also come out of that buffer (cash after bills). You can turn that off on the Setup tab if you would rather track expenses only against your budget.\u003c\/p\u003e\n\u003ch3\u003eWHAT'S INSIDE\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eHow to Use tab — short setup steps, including how to open the file in Excel or Google Sheets, and how the buffer treats expenses\u003c\/li\u003e\n\u003cli\u003eDashboard — income vs expenses chart and buffer balance for all 12 months of 2027\u003c\/li\u003e\n\u003cli\u003eSetup — choose CAD or USD, your own tax set-aside % and savings % (the file starts with example defaults of 25% and 10% for you to change), monthly salary, and whether expenses reduce the buffer\u003c\/li\u003e\n\u003cli\u003eSteady Salary tab — shows salary paid, expenses, buffer balance and any shortfall each month\u003c\/li\u003e\n\u003cli\u003eTax \u0026amp; Savings calculator — totals what you've set aside, plus a quick what-if box\u003c\/li\u003e\n\u003cli\u003eIncome log and Expense log — 500 rows each, with dropdown categories you can rename on the Categories tab (including income types)\u003c\/li\u003e\n\u003cli\u003eCategories \u0026amp; baseline budget — 18 editable expense categories and a list of income types you can rename\u003c\/li\u003e\n\u003cli\u003eA blank copy for your own numbers and a filled-in SAMPLE copy so you can see it working\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWHAT YOU RECEIVE\u003c\/h3\u003e\n\u003cp\u003eInstant download after checkout:\u003c\/p\u003e\n\u003cul\u003e\u003cli\u003e1 ZIP containing the blank Excel (.xlsx) file, a filled-in SAMPLE copy, and a PDF with plain instructions for opening the file in Google Sheets (File \u0026gt; Import \u0026gt; Upload) or Microsoft Excel\u003c\/li\u003e\u003c\/ul\u003e\n\u003cp\u003eThis is a digital download. Nothing will be shipped. The PDF is inside the ZIP, not a separate download.\u003c\/p\u003e\n\u003ch3\u003eWORKS WITH\u003c\/h3\u003e\n\u003cp\u003eGoogle Sheets (free Google account) and Microsoft Excel desktop. Mobile apps can view and edit, but a computer is easier for setup.\u003c\/p\u003e\n\u003cp\u003eTo open in Google Sheets: go to sheets.google.com, then File \u0026gt; Import \u0026gt; Upload and choose the .xlsx. Import it as a new spreadsheet.\u003c\/p\u003e\n\u003ch3\u003ePLEASE NOTE\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a budgeting tool, not tax or financial advice. The tax set-aside is a simple percentage you choose. Rules differ between Canada (CRA) and the US (IRS) — please confirm your taxes with an accountant.\u003c\/li\u003e\n\u003cli\u003eThe CAD\/USD option changes labels; it does not convert currencies.\u003c\/li\u003e\n\u003cli\u003eIf a file will not open, contact the shop and I'll help.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cem\u003eHow this was made: I designed this template myself — I chose the layout, features and categories and wrote the instructions. I used AI tools to help draft formulas\/text and to speed up mockups, and I tested and edited everything by hand.\u003c\/em\u003e\u003c\/p\u003e\n","brand":"My Store 2","offers":[{"title":"Default Title","offer_id":46359019323461,"sku":"P001-IIB-2027","price":14.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0774\/0014\/5989\/files\/p001-01-hero_c7e51ea5-eb28-4f79-a011-ea59624a27ee.png?v=1794338798","url":"https:\/\/2ahuh5-qg.myshopify.com\/products\/2027-irregular-income-budget-spreadsheet-pay-yourself-a-steady-salary-excel-google-sheets-cad-usd","provider":"My Store 2","version":"1.0","type":"link"}