About Variable Budget

Standard budgeting advice assumes a steady paycheck. If you freelance, drive for a gig platform, work on commission or run a small business, that advice breaks in the first slow month.

Variable Budget publishes free, simple calculators built around one idea: budget on your worst months, and let the good months build your cushion. Every tool runs in your browser and shows its working, so you can see how the number was reached.

What this site is not

We are not financial advisers, tax preparers or accountants. The tools give estimates for education. Decisions about your money and taxes should involve a qualified professional who knows your circumstances.

How the site is funded

The site may show advertising and may link to products or services that pay us a commission. See the affiliate disclosure. Commissions never change what a calculator outputs.

Contact

Questions, corrections or suggestions for a new calculator? Email hello@variablebudget.com.