Build your baseline budget
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Your variable income budget
Spendable floor income
$0
after taxes, worst month
Monthly surplus / gap
$0
after all expenses
Total monthly expenses
$0
your baseline
Average month surplus
$0
available for savings/goals
Budget breakdown
Why budget on your floor income?
Most budgeting advice tells you to average your income. For gig workers and freelancers, that's a trap. When a slow month hits, an average-based budget leaves you short on rent. When you budget on your lowest expected income, you can always cover your essentials — and anything above your floor goes to savings, debt payoff, or treats.
The floor income rule: Every recurring expense (rent, subscriptions, insurance) must fit within your floor income after taxes. Variable expenses and savings goals get funded from anything above that floor.