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Freelance & 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 No account needed No bank connection

Your split

Percentages must total 100%.

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Example percentages are placeholders, not financial or tax advice. Your payment amount stays on this page. Sharing a split is optional and includes its category names and percentages.

For your next payday. Or someone else’s.

Make this split reusable.

Create a link with your categories, percentages and currency. Bookmark it for your next payment, send it to a client, or embed the calculator on your website. Each person enters their own amount.

Shared names and percentages can be read by anyone with the link. Use general category names, without account numbers or personal details. Your payment amount is never included.

For bookkeepers, educators and community owners →
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.

Choose your priorities

Name the destinations that matter to you, such as a tax reserve, personal pay, a buffer, or business costs.

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?

The calculation runs locally in your browser, without an account or bank connection. If you create a reusable link, the category names, percentages and currency are included in that link. Your payment amount is excluded. Anyone you share the link with can read its settings; bookmarks and messages may store it.

What happens when the result contains fractions of a cent?

The calculator rounds each share down to whole cents, then distributes the remaining cents to the categories with the largest fractions. The amounts stay non-negative and add up to the payment exactly.

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.