Irregular Income Budget
For freelancers, gig workers and commission earners: budget from a baseline month and let a buffer fund smooth out lean months.
$6.99
Google Sheets & Excel templates
Budget templates for money that doesn't fit a normal budget
Paychecks that change every month. Bills split with a partner. More than one debt. Qeno makes small, focused spreadsheets that do the math for you, so you can see what to do next.
$6.99 each, or all three for $16.99. One-time price, instant download, 30-day refund.
- Instant downloadDelivered by Gumroad the moment you pay, plus an email copy.
- 30-day refundNot right for you? Email us and get your money back. Policy
- Google Sheets & ExcelPlain .xlsx with no macros. Sample data and a blank copy.
- One-time priceNo subscription, no account to keep, no upsells inside the file.
The templates
Every image on this site is a real screenshot of the actual file, rendered from the spreadsheet itself.
Couples Shared Budget
Log who paid and who it was for. Pick 50/50, income-based or a custom split, and it tells you who owes whom.
$6.99
Debt Snowball & Avalanche Planner
Enter your debts once and get two month-by-month payoff plans, your debt-free date, and the interest each method costs.
$6.99
Money Tracker Bundle (all 3)Best value
All three templates for $16.99 instead of $20.97. Budget a changing paycheck, split costs fairly, and pay off debt faster.
$16.99 $20.97
Start free: a one-page monthly budget
Plan vs actual for up to 25 categories, Need/Want/Save tags and an automatic 50/30/20 check. It's genuinely useful on its own, and it's the easiest way to see how our files work before you buy anything.
Get the free Simple Monthly Budget
Why buy here
- Straight from the maker. You're buying from the person who built and tested the files, not a marketplace reseller.
- Real previews. What you see in the screenshots is what you download: same tabs, same formulas, same sample data.
- Tested formulas. Every formula cell is recalculated and scanned for errors before release (over 37,000 cells across the three templates, 0 errors).
- Secure checkout on Gumroad. A long-running payment platform handles payment and delivery; we never see your card details.
- Easy refunds. 30 days, one email, no hoops. Read the policy.