Smooth Paycheck

Smooth Paycheck is a browser-based tool that turns irregular freelance income into a steady monthly paycheck. It takes your variable deposits and calculates a sustainable amount to pay yourself each month, then splits the rest across four accounts: paycheck, tax, buffer, and profit. The result is a salary-like income you can plan around, even when your earnings arrive in lumps. It is built for freelancers and self-employed people whose income swings month to month: translators, editors, designers, photographers, writers, and consultants. Budgeting on a good month is what catches these workers out, because the slow months quietly undo the strong ones. Smooth Paycheck sizes a paycheck off your floor, not your average, so it holds even in lean months. The free front door is the Income Stability Score at smoothpaycheck.com/score, a 60-second check of how volatile your income really is, with a shareable result card. The full calculator is a one-time purchase, no subscription. Everything runs in your browser, your financial numbers never leave your device, and nothing is saved or sent.