How is 'Safe to Spend' calculated?

It uses your income 'floor' (average of the lowest 2 of last 6 months) adjusted for volatility and your current buffer account status.

Does it support Section 44ADA?

Yes, it automatically checks 44ADA eligibility based on your profession and cash receipt percentage, and calculates tax for both New and Old regimes.

Irregular Income Budgeter (FY 2026-27)

Determine safe monthly spending and tax reserves for freelancers, consultants, and gig workers with volatile income. Indian FY 2026-27 ready.

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Documentation

Quick Summary: Irregular Income Budgeter (FY 2026-27)

Freelancers and consultants must budget based on income floors rather than averages. For FY 2026-27, establish a 'Buffer Account' containing 3 months of essential expenses to smooth out volatile invoice cycles and automatically reserve 30% for tax liabilities.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.