Guides / Plan around uneven pay
Find your baseline month
Plan for the lean month, not the average one.
Your baseline is a realistic low month: what you can count on even when work is slow. Building your budget on it means lean months don't become emergencies.
How to find it
- Gather six to twelve months of income from every source
- Use what actually landed in your account, after any fees
- Note your lowest normal month (ignore a true one-off, like an illness)
- If you're self-employed, subtract what you set aside for taxes
Try it
Our irregular income calculator finds your lowest month, your average and a buffer target.
General educational information, not financial or tax advice. Little by Little Cash isn't paid by any lender, app or gig platform.