For freelancers, creators & side-hustlers

Stop guessing what you can pay yourself this month.

Smooth Paycheck turns your chaotic freelance income into a steady monthly paycheck. In under 5 minutes. No spreadsheets, no accounting software, no signup.

Calculate my paycheck →

Not ready to buy? Check your Income Stability Score first, free in 60 seconds →

30-day refund Works in 10 currencies Works in your browser Your data never leaves your device
Your sustainable paycheck
$4,280
every month, even slow ones
$8,400
Buffer target
62/100
Stability score
The problem

You know the feeling.

Some months $8,000 lands in your account and you feel rich. The next month $1,200 trickles in and you're terrified.

You've tried "just saving more." You've tried spreadsheets that you abandoned by week two. You've downloaded QuickBooks, taken one look at the chart of accounts, and closed the tab.

The problem isn't you. The problem is that every personal finance tool ever built assumes you get paid the same amount on the 1st and the 15th. You don't. So you're stuck doing freelance finance on hard mode, paying yourself whatever's left over after the panic subsides.

The solution

There's a number that fixes this.

It's the largest amount you can pay yourself every single month without running out during a slow stretch. Big enough to actually live on. Small enough that a quiet month doesn't blow up your life.

Smooth Paycheck calculates that number. In about five minutes. Using the income you've already earned.

That's it. That's the whole product.

How it works

Three steps. One paycheck number. Zero spreadsheet trauma.

Step 01

Drop in your income

Type in (or paste) your last 3–12 months of income. The more months you give it, the smarter the math gets.

Step 02

Add expenses & tax rate

Quick sliders for personal expenses, business expenses, and your tax rate. You set the rate yourself, so it works for any country: Indian GST, US federal+state, Canadian, UK VAT, etc. Pre-filled with sensible defaults you can adjust.

Step 03

Get your paycheck number

One big number on the screen: what you can safely pay yourself every month. Plus a buffer target and stability score.

Your downloadable report

This is what you'll walk away with.

Every calculation ends with a one-page PDF you can save, print, or stick on the fridge as a reminder.

Smooth Paycheck
April 30, 2026
— YOUR SUSTAINABLE PAYCHECK —
$4,280
every month, even slow ones
Calibrated to your last 9 months
When money lands, split it like this.
25%
15%
10%
50%
TAXES
25%
$250 / $1k
OPS
15%
$150 / $1k
BUFFER
10%
$100 / $1k
PAY
50%
$500 / $1k
BUFFER TARGET
$8,560
~12 mo to fill
STABILITY
39 / 100
Bumpy, but manageable
Your last 9 months
avg $7,122 · low $2,400 · high $11,800
AUGSEPOCTNOV DECJANFEBMARAPR
Three moves this week.
1Open four sub-accounts at your bank: Tax, Ops, Buffer, Owner Pay.
2When the next payment hits, split it 25/15/10/50 into those accounts.
3Pay yourself $4,280 from Owner Pay on the 1st. Same number every month.
smoothpaycheck.com Stop running your finances on vibes.

Yours, the moment you finish the calculator.

What's inside

Built for freelancers who'd rather earn than reconcile.

i.
Your sustainable paycheck
The headline number. The amount you can pay yourself monthly without panic. Calculated from your actual income, not your dream income.
ii.
The allocation system
When money hits, it splits automatically: taxes, operating, buffer, owner pay. No more guessing what to set aside on payday.
iii.
Your buffer target
The exact cash cushion you need to make this paycheck safe. With a progress bar showing how close you already are.
iv.
Your stability score
A 0–100 score that tells you how wild your income swings really are. Most people are way more volatile than they think.
v.
A one-page PDF
Download a clean summary to save, screenshot, or stick on the fridge as a reminder of what your paycheck should look like.
Is this for you?

You'll like this if…

Yes, this is for you

  • You're a freelancer, creator, consultant, or side-hustler with income that varies month to month
  • You've tried QuickBooks or Xero and rage-quit within a week
  • You want a system, not another spreadsheet
  • You'd pay $29 once to never wonder "can I afford rent this month?" again

Probably not for you

  • You have a salaried W-2 / PAYE job with no side income
  • You're already running a fully-staffed agency with a bookkeeper
  • You enjoy spreadsheets, genuinely. Some people do, and we respect that
  • You need full double-entry accounting for tax filing
Read the system, free

The full method, in a 6-page PDF.

The 4-Account Split — the same system Smooth Paycheck calibrates for you — written up as a printable guide with a worked example. Save it, send it to a freelancer who needs it, or read it before you decide on the tool.

Free. You'll get the PDF instantly, with the option to subscribe to After Hustle — a free Monday newsletter on work, money, and design — after.

Pricing

One price. Pay once. Use forever.

Launch price
Smooth Paycheck
the whole tool, no tiers, no upsells
$ 29
one-time, not a subscription
  • Sustainable paycheck calculator
  • Allocation system with custom splits
  • Buffer target tracker
  • Stability score
  • One-page PDF export
  • Unlimited recalculations
  • All future updates, free
Get Smooth Paycheck →
30-day refund. No questions asked.
Questions

Things people ask first.

Do I need to connect my bank account?
No. You type in (or paste) your monthly income totals. Nothing connects to your bank, and your data stays in your browser.
Is this accounting software?
No, and that's the point. Accounting software tracks every transaction. Smooth Paycheck answers one question: what can I pay myself this month?
What if my income is really unpredictable?
Then you need this more than anyone. The Stability Score and buffer target are specifically built for high-volatility income. That's the whole reason it exists.
Does this work outside the US?
Yes. Tax rate is a slider you set yourself, and the currency adjusts. Works for freelancers in any country.
Will my data be safe?
Your numbers never leave your device. There's no account, no login, no server storing your income. Just a tool that runs in your browser.
What if I want a refund?
No problem. Email contact@smoothpaycheck.com within 30 days of your purchase and we'll refund you in full — no questions asked.

Stop running your finances on vibes.

Five minutes from now, you could know exactly what you can pay yourself this month. And next month. And the slow month after that.

Calculate my paycheck for $29 →