Zero-Wait Budget System: Irregular-Income Budget & Debt Payoff Spreadsheet

Budget from your lowest month, split the surplus on purpose, and see your exact debt-free date.

Built for freelancers, gig workers, and anyone whose paycheck changes month to month. Plan against your baseline month, log transactions with dropdown categories, and the Dashboard shows plan vs. actual for 12 months, flags overspending, and splits extra income into your buffer, debt, savings, and fun. Includes a sinking funds planner and a Snowball vs. Avalanche debt payoff planner with your debt-free date.

What's included: an Excel workbook (.xlsx) with 8 linked tabs, sample data you can clear, and a Start Here guide. Works in Excel 2016+/365 and imports into Google Sheets.

Instant download.