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.
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.
How to use the Irregular Income Budgeter (FY 2026-27)
- 1
Input monthly revenue history
Enter your invoice collections or gross receipts for each of the last 6 months.
- 2
Set fixed monthly commitments
List rent, EMIs, grocery bills, and key insurance premiums that must be paid.
- 3
Determine safe-to-spend limit
View your recommended baseline monthly budget and tax buffer allocations u/s 44ADA.
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Last verified May 2026
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