Choose your priorities
Name the destinations that matter to you, such as a tax reserve, personal pay, a buffer, or business costs.
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Irregular income split calculator
Enter one freelance, contract, commission, or side-income payment. Choose the percentages that fit your own plan and see the exact amounts to set aside.
Runs in your browser
Nothing is saved
No bank connection
Your split
Percentages must total 100%.
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Total100%
Example percentages are placeholders, not financial or tax advice. Your amount and labels never leave this page.
A payment-first routine
Budget the money that actually arrived.
Irregular income makes a fixed monthly forecast fragile. A payment split starts with known money and assigns it before everyday spending begins.
Set your own percentages
Use rates that reflect your obligations and circumstances. The example values are not recommendations.
Make the transfers
Use the result as a manual checklist. The calculator never connects to or moves money between accounts.
Common questions
About splitting irregular income
How should a freelancer divide each payment?
There is no universal split. Start with the destinations you are responsible for, then choose percentages based on your own taxes, costs, savings goals, and personal needs. A qualified adviser can help with tax-specific decisions.
Does this calculator store financial information?
No. The calculation runs locally in your browser. The page has no account, bank connection, or financial-data backend.
What happens when the result contains fractions of a cent?
The calculator rounds to the currency’s smallest unit and assigns any rounding remainder to one positive-percentage category so the displayed amounts always equal the payment.
What does the Cascade app add?
Cascade lets you save ordered rules, use fixed amounts and targets as well as percentages, create manual transfer checklists, and keep a private on-device history.