Irregular Income Calculator
Model a full year of good, typical and slow months with a spending ceiling and buffer target.
Verify this calculatorMaintained
See what the result uses—and what it cannot know.
Sumvoro calculates deterministically from the visible inputs. It does not invent lender terms, local rules, market values, medical facts, or professional judgments.
- 1 · InputsCheck every entered value against the latest statement, quote, measurement, or official source.
- 2 · Formula
Annual receipts sum each month category; sustainable spending ceiling subtracts annual business costs, entered tax reserve and savings. - 3 · SensitivityUse Insights to run a lower and higher case. If the conclusion changes easily, collect better information or leave more margin.
- 4 · ScopeThis tool is maintained and covered by automated calculation tests. Provider timing, rounding, and omitted facts can still change a real-world result.
- Formula release
- 2026.10-r4
- Release date
- October 10, 2026
- Review status
- Maintained
- Source review
- September 12, 2026
Optional readingLearn how this calculator works
How the irregular income calculator works
Model a full year of good, typical and slow months with a spending ceiling and buffer target.
Annual receipts sum each month category; sustainable spending ceiling subtracts annual business costs, entered tax reserve and savings.
Read our calculation methodology and limitations.
Example
Start with the fictional example amounts, then replace them with values covering the same time period from your statements, pay policy or business records.
What affects the result
- Use the same reporting period for all entries.
- Personal taxes are excluded unless an explicitly entered reserve is shown; a reserve is not tax liability.
- Negative earnings or insufficient capacity are meaningful results, not guaranteed income.
Frequently asked questions
Are the example values typical market data?
No. They are fictional illustrations. Enter values from your own records.
Can I print or compare scenarios?
Yes. Use Print, or open Save & report in the calculator workspace to capture and compare your entered scenario.