Quick answer: To use the Cash Flow Freedom Score tool with irregular income, enter each income source separately with its own real frequency and next expected date — rather than averaging multiple gigs into one number — so the 90-day forecast can place each deposit on its actual likely date.
What if my freelance income is completely unpredictable?
Enter your most conservative, lowest-realistic recurring amount as your baseline income, then use the income slider to test more optimistic scenarios on top of that — this way the baseline forecast already reflects a lean month.
Should I include irregular bonus income at all?
Yes, but as a 'one-time' entry on the date you actually expect it, not as a recurring monthly figure — this keeps your baseline forecast realistic if the bonus is delayed or doesn't arrive.
Why averaging your income hides gaps
If you earn $3,000 a month from two client contracts, it's tempting to enter '$3,000 monthly' as one line. But if one contract pays on the 1st and the other on the 28th, your actual cash position on the 15th could be very different from what a flat monthly average implies.
The tool is built to take multiple income rows precisely so it can place each deposit on the date it's actually expected, rather than smoothing everything into an average that hides the gap.
Step-by-step setup for multiple income streams
Start with your current balance — the actual number in your account today, not last month's ending balance.
Add each income source as its own row: name it by client or platform, enter the amount per payment, choose the real frequency (weekly, biweekly, twice-monthly, monthly, or one-time), and set the next expected date.
For a one-off project payment or bonus, use the 'one-time' frequency so it doesn't repeat and inflate your forecast.
Do the same for every bill and recurring expense, matching due dates as closely as you can to your actual billing cycle.
Reading the scenario sliders as a freelancer
The income slider is particularly useful for irregular earners: sliding it to 70% simulates losing a client or a slow month, and instantly shows whether your existing buffer would still carry you through the next 90 days.
Run the 70% scenario at least once. If a cash gap appears that wasn't there at 100%, that gap tells you exactly how much runway you have if your slowest-earning month arrives next.
Frequently Asked Questions
What if my freelance income is completely unpredictable?
Enter your most conservative, lowest-realistic recurring amount as your baseline income, then use the income slider to test more optimistic scenarios on top of that — this way the baseline forecast already reflects a lean month.
Should I include irregular bonus income at all?
Yes, but as a 'one-time' entry on the date you actually expect it, not as a recurring monthly figure — this keeps your baseline forecast realistic if the bonus is delayed or doesn't arrive.
How often should I re-run the forecast?
Once a week is enough for most freelancers, or immediately after landing or losing a client, since either event changes your income-side inputs.