Cash planning for lumpy income
Your income is lumpy.
Your plan should not be.
You get $6,000 in March, $1,800 in April, nothing in August, then two invoices at once. Every money app assumes a salary. This one assumes a floor.
Formed Pipette shows you four numbers for free, then writes one twelve-month plan you buy once.
The calculator is live and free, with no account. The full Read opens shortly.
- The Read
- Free, no account
- The Plan
- $79, once
- The Check-in
- 12 months, by email
- Products we sell you
- None, ever
Your conservative low month. The plan is built on this, not on your average.
What leaves regardless. You said $1,900; six months of payments say otherwise.
Owed, not yours. Currently $2,100 short of the January payment.
On today’s numbers you can cover Fixed for 11 weeks with no new income.
Fix first
Move $525 from each of your next four invoices into the Tax Pot. The January date is the only fixed one you have.
This is cash planning. It recommends no financial product and takes no money from any financial institution.
A pipette measures by graduation, not by guess. So does a plan built on your floor.
The failures are always the same four.
Not because you are bad with money. Because nobody ever laid the numbers out.
A daily habit built around a monthly paycheque cannot answer the only question you have.
- 01
Budgeting against an average
An average month is a month you have never had. Your floor is the one you must survive.
- 02
No tax pot
The money felt spendable for nine months. Then January arrived with a date on it.
- 03
No runway
Nobody has told you how many weeks of fixed costs the account currently covers.
- 04
No rule for the lump
A $4,200 invoice clears at 09:14 and the decision gets made by mood.
A rule for the moment money lands.
A $4,200 invoice clears. The Plan already decided what happens to it, in this order.
Tax Pot
$1,180
Cushion
$840
Spend
$2,180
In that order, every time, without a decision. The percentages come from your own floor, your own fixed costs and your own tax situation.
How it will work
The Intake
Eight questions, one per card. Your smallest month, your best month, what you owe, what scares you.
The Read
Four figures with one line of interpretation each, and one sentence naming what to fix first. No account.
The Plan
A written twelve-month plan you keep: floor budget, Landing Rules, Tax Pot dates, Cushion in weeks, debt order.
The Check-in
An email on the day money usually arrives. Reply in one line. The figures come back updated.
A plan that keeps score of a real year of your income becomes the only place that knows your financial shape.
Paid by nobody but you.
Every other money product has a reason to point you somewhere. We have none. That is why the numbers can be blunt.
- Never recommends a security, broker, lender or insurer
- Never projects a return, a yield or a market
- Never takes a fee from a financial institution
- Refunds in full, within 14 days, without questions
One price, paid once.
The Plan is $79 and includes twelve months of Check-ins. There is no subscription and no second tier.
The Re-plan is $39, offered at the end of the year or when your income shape changes.
| What people pay today | Price | Cadence |
|---|---|---|
| Formed Pipette, the Plan | $79 | once |
| YNAB | $109 | a year |
| Monarch Money | $99.99 | a year |
| Copilot Money | $95 | a year |
| A money coach | $150–400 | a session |
| A spreadsheet | $0 | forever |
A spreadsheet is the real competition. It has never once told you your runway is eleven weeks.
Start with the four numbers.
Four of them are on the free calculator now: your tax set-aside, your Floor, your Cushion target and your Runway in weeks.