Steady — Freelance Paycheck System

The freelance ledger

Feast, famine, and fees nobody counts.

63%

of freelancers name inconsistent income as their top struggle.

Freelancers Union

85%

have been paid late at least once.

Freelancers Union / Plutio

2–10%

of every payment disappears into PayPal, Upwork, Payoneer and FX spreads.

Typical platform fees

salaries in a month when nobody pays you, unless you planned for it.

Your bank account

How it works

Three tabs to fill. Everything else is calculated.

1 · Log

Every payment, as it lands

Amount, currency, platform, and the fee it took. Steady converts it to your home currency.

2 · Reserve

Tax comes off first

Your chosen tax share is set aside from each month's profit before anything reaches you.

3 · Pay yourself

Same salary, every month

The rest feeds a buffer. Good months fill it, slow months draw on it, and you always see how many months of runway are left.

Live simulator · example year

Drag the salary. Watch the buffer.

January to October are the example freelancer included in the file: six clients, four currencies, and a July with zero payments. November and December are projected.

Monthly salary $3,000 Starting buffer $6,000 Tax set-aside 25%

Months paid in full–

Salary paid this year–

Buffer in December–

What's in the file

Eight tabs. One workbook.

Dashboard	Income vs salary chart, money lost to fees per platform, income by currency, overdue invoices.
Paycheck	12-month plan: profit, tax reserved, salary paid, buffer and runway for every month.
Income	Payments in any currency, with fees and optional real FX rate per row.
Expenses	Business costs by category, in any currency.
Invoices	Status and aging update daily: awaiting, overdue, 1-30 / 31-60 / 60+ days late.
Rate Calculator	The minimum hourly and day rate that pays the salary you want, after tax, expenses and fees.
Settings	Base currency, tax %, salary, exchange rates, your own platforms and categories.
Start Here	Five-minute setup and a two-minute weekly routine.

One payment, yours forever

Cheaper than one month of losing track.

No subscription, no account, no bank connection. Your numbers stay in your own file.

$29

Blank workbook + filled example workbook
Excel and Google Sheets
Any currency as your base
Free updates

Buy Steady

Secure checkout by Lemon Squeezy. Instant download after payment. Planning tool, not tax advice. Check your local tax rate with a professional.

Questions

Before you buy

I'm paid in USD but live in another currency. Does it work?

Yes. Pick any base currency in Settings (EUR, INR, MAD, PHP…). Each payment is converted with the rate you set, or the exact rate your bank gave you.

Does it connect to my bank?

No. You log payments yourself, about two minutes a week. Nothing leaves your computer.

Is the tax number accurate for my country?

Steady reserves the percentage you choose. It does not calculate country-specific tax. Ask a local accountant for your rate.

Can I use it in Google Sheets?

Yes. Upload the file to Google Drive and open it with Google Sheets. All formulas work.