Freelancer budget template

For freelancers and self-employed people whose income changes month to month. Set tax aside from every payment, cover the business's costs, and pay yourself a steady salary from what is left. A buffer smooths out the quiet months.

Use this templateFree. No account needed to start.
Planned against $5,000 a month
  • Tax set aside15% · $750
  • Software and tools5% · $250
  • Internet and phone3% · $150
  • Equipment4% · $200
  • Contractors8% · $400
  • Marketing3% · $150
  • Bank charges1% · $50
  • Pay myself46% · $2,300
  • Buffer for quiet months10% · $500
  • Pension5% · $250
  • Bills
  • Everyday
  • Savings

What to put in it

  • Set tax aside as soon as a client pays. It is not your money.
  • Pay yourself the same amount every month, and let the buffer absorb good and bad months.
  • Build the buffer to two or three months of your salary.

How it works

  1. Open the template and type what comes in each month.
  2. Every category gets its share, so the plan adds up at once. Change any figure.
  3. Add what you spend, or import a bank statement, and see each month against the plan.

Questions people ask

Is the budget planner free?

Yes. One budget is free, with the last 3 months to look back on. Paid plans keep more budgets and every past month.

Do you connect to my bank?

No. You type what you spend, or upload a statement you downloaded yourself. We never ask for bank logins.

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