Smooth Paycheck - The steady paycheck hidden in your freelance income
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Freelance income swings; your bills don't. Smooth Paycheck analyzes your last 12 months and finds the steady monthly salary you can safely pay yourself. Start with the free Income Stability Score — 60 seconds, computed in your browser. Paid upgrade: $29 once.
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Hi Product Hunt — maker here. Smooth Paycheck is a side project I built after watching freelancers I work with plan their finances around their average month.
The problem with the average: half your months fall below it by definition, so the budget breaks the first time a slow month hits. The fix that actually works is budgeting from your floor, a low but realistic number your months reliably clear, and paying yourself that as a fixed monthly salary. Good months quietly build the buffer; slow months stop being a crisis.
Two pieces:
Free: the Income Stability Score. Enter your last 12 months and it scores how volatile your income actually is, shows your worst-month gap, and where you land on a chaotic to steady scale. 60 seconds, no signup, and everything is computed in your browser. Your numbers are never sent or stored.
Paid ($29, one-time): the full calculator. It finds your exact sustainable monthly paycheck and splits it across four buckets: tax, operating, buffer, paycheck. One-time because money tools shouldn't be another subscription. There's a 30-day no-questions refund, and for launch week PH gets 40% off with the code PHLAUNCH.
I'm not a freelancer myself, I'm a PM who builds tools for them, so I'd genuinely love to hear whether the score matches your gut sense of your own income, and where the framing misses. Thanks for taking a look.