Free private calculator
Irregular income baseline calculator
Use three to six recent take-home months to find a conservative planning baseline and a reserve target for stronger months.
Question
What income amount is cautious enough to plan around?
Change any number. Results update immediately.Enter at least three recent take-home months. Empty months are ignored.
The math, in plain language
How this answer is built
The baseline is the lower of 80% of your average and your second-lowest entered month. This softens one unusually bad month without letting strong months inflate the plan.
Use the result as a planning estimate. Confirm tax, lending, legal or financial decisions with the relevant professional or official statement.
Keep going
One answer here. A working history in the app.
The free tool does not save your entries. Paycheck Budget Planner keeps the related plan, records and updates together on your device.