{"product_id":"freelancer-finance-tracker-tax-reserve-income-buffer-hourly-rate-excel-google-sheets","title":"Freelancer Finance Tracker | Tax Reserve, Income Buffer, Hourly Rate (Excel, Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eThe finance tracker built for irregular freelance income.\u003c\/strong\u003e When some months are feast and others famine, generic budgets break. This tracker reserves taxes automatically, builds a buffer for slow months, tells you what you actually earn per hour and scores which clients are worth keeping. Built with 10 connected tabs. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eThree engines\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eFeast or Famine Buffer\u003c\/strong\u003e — sets a buffer target and shows whether you are healthy or at risk before a slow month hits.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eReal Hourly Rate\u003c\/strong\u003e — compares your quoted rate to what you truly earn after unpaid hours and overhead.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eClient Profitability\u003c\/strong\u003e — grades each client so you know which to keep, raise or drop.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 10 connected tabs\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside every tab\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — your rates, tax percentage and buffer target\u003c\/li\u003e\n\u003cli\u003eDashboard — income, expenses, profit and savings rate\u003c\/li\u003e\n\u003cli\u003eIncome Log — every payment with client and status\u003c\/li\u003e\n\u003cli\u003eExpenses — categories with tax-deductible flags\u003c\/li\u003e\n\u003cli\u003eTax Reserve — auto-reserves a set percentage as money comes in\u003c\/li\u003e\n\u003cli\u003eIncome Buffer — the feast-or-famine engine\u003c\/li\u003e\n\u003cli\u003eHourly Rate — quoted vs real rate\u003c\/li\u003e\n\u003cli\u003eClients — profitability grading per client\u003c\/li\u003e\n\u003cli\u003eQuarterly — Q1 to Q4 summaries\u003c\/li\u003e\n\u003cli\u003eGoals — income and savings targets\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eFreelancers and contractors with variable income\u003c\/li\u003e\n\u003cli\u003eDesigners, writers, developers and photographers\u003c\/li\u003e\n\u003cli\u003eAnyone who wants to reserve taxes automatically\u003c\/li\u003e\n\u003cli\u003eSelf-employed people unsure which clients actually pay off\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal finance organization only. This is not tax or financial advice; tax rates and rules change, so confirm figures with a qualified professional. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274166800577,"sku":null,"price":10.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8096156065_9e6c.jpg?v=1780070590","url":"https:\/\/spendflowstudio.com\/products\/freelancer-finance-tracker-tax-reserve-income-buffer-hourly-rate-excel-google-sheets","provider":"SpendFlow Studio","version":"1.0","type":"link"}