Irregular Income Planner

Irregular Income Planner is a cash-flow calendar for freelancers and shift workers to plan bills around fluctuating pay. It projects running balances over 30–90 days, computes real-time Safe-to-Spend without breaching buffers, stress-tests client payment delays, and ranks expenses by survival priority (Tiers 1–3) with deficit advice. Features 3 monthly scenarios, zero-income survival runway analytics, custom world currencies, instant CSV import/export, and 100% private offline storage.