Guides and tools for irregular income.
Count the money you can rely on, look twelve months ahead, keep tax and a safety net out of what you spend. The method behind Freeboard, free.
- Safe to spend calculatorWhat you can spend today without going below zero in the next 12 months.
- Budgeting on irregular income in EuropeIncome by certainty, paying yourself a salary, the emergency fund, taxes.
- Multi-currency budget for freelancersA worked example in dollars, pounds and euros, and a free template.
- Upwork, Fiverr and Stripe income trackerFees, timing and conversion, as of October 2026.
- Freeboard comparedYNAB, PocketSmith and Lunch Money.
- Quanto accantonare per le tasse con la partita IVA (Italiano)For freelancers in Italy: forfettario and ordinario, with a calculator.
See your own months ahead.
The demo is the real app with example data: change a number and watch what you can spend today move.