NomadFinancials • Printable planning companion • 15 October 2026
Worked examples below are fictional illustrations. Replace the inputs with your own numbers. This is a manual worksheet, not a calculator or accounting system.
| Month | Cash collected | Operating costs | Tax allocation | Other reserve additions | Remaining before personal transfer |
|---|---|---|---|---|---|
| A | $4,800 | $900 | $800 | $300 | $2,800 |
| B | $6,200 | $1,100 | $1,200 | $300 | $3,600 |
| C | $3,900 | $900 | $650 | $300 | $2,050 |
| Date / period | Item / assumption | Cash in | Cash out / allocated | Balance / next action |
|---|---|---|---|---|
Do not count transfers between your own accounts as new income. Keep tax reserves and earmarked funds distinct from freely available cash.
Source guide: nomadfinancials.com/pay-yourself-with-irregular-freelance-income/