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VM15 · NEW
Variable Money· For income that changes every month
Live on your floor,
Live on your floor,
not your average.
You walk in living on your average, short every few months. You walk out with one number you can live on every month, even the bad ones.
Find your floor in 2 minutes →
BEFORETOM · lives on his average$8,000/mo
Months below $018 of 24
Worst month−$11,700
Same deposits · 24 months— floor
$192,000
AFTEREMMA · lives on her floor$4,967/mo
Months below $01 of 24
Left after 2 years$72,792
Math you can check by hand
Real 2026 numbers
A free worksheet with every video
No shame, no get-rich promises
Your before and after· Same $192,000
Same money. Two different lives.
Grab either chart and drag it through the 24 months. On the left, the account of someone who spends the average. On the right, the same deposits with a floor.
BEFORE · THE AVERAGETOM · $8,000 a month
Short almost every month.
Below $018 of 24
Worst−$11,700
Month 24$0
AFTER · THE FLOOREMMA · $4,967 a month
Covered, and growing.
Below $01 of 24
Worst−$767
Month 24$72,792
Month 14 of 24
TOM −$11,700 · EMMA $30,762
The method· Three movesThree words that fix
Three words that fix
an income that changes.
No app and no categories. Tap any of the three to see how it works, with Emma's numbers.
01 · Floor
Your floor
$4,967Your lowest three months, averaged. The salary you pay yourself, good month or bad.
See how it works
02 · Buffer
Your buffer
$4,434Your worst run below the floor, added up. It pays you when a client pays late.
See how it works
03 · Two accounts
Two accounts
Every 1stEvery deposit lands in one account. Once a month, your floor moves to the one you live from.
See how it works
Why three months
One month$2,400
Her single worst month. A number she'd live on even when work comes back.
Three months · her floor$4,967
8 of 24 months come in under it. Her buffer covers every one of them.
Six months$6,150
11 of 24 months come in under it. The slow stretch gets averaged away.
Free· Floor calculatorFind your floor
Find your floor
in two minutes.
Three quick steps. You see your number before we ask for anything.
What you get · Emma's example$4,967Your floor: what you can spend every month.
Buffer to keep$4,434
Months below $0 at your floor1 of 24
FAQ· Straight answers
Before you start.
Still unsure? Write to hello@variablemoney.com
What counts as a deposit?
Everything that landed in your account from your work that month, before you moved anything out. If a client paid twice in one month, both payments count in that month.
Is "floor" a real financial term?
Yes. Planners call it an income floor: the money you can count on to cover the basics. What's ours is how we measure it when your pay changes: the lowest three-month average in your record, with a buffer for the months that come in under it.
How many months do I need?
Use your last 24 deposits. With one year of history you can start today. If your second year brought in one and a half times your first or more, use only the last 12, because the older year describes a business you no longer have. Check your floor again every 12 months.
Do I need to give you my email?
No. The calculator shows your floor first. The email is only if you want the worksheets sent to you.
Is this financial advice?
No. It is education with examples you can check by hand. For decisions about your own taxes or investments, talk to a licensed professional.
Free· One email per videoYour after starts
Your after starts
at your floor.
Start with Find Your Floor: your floor, your buffer and your two accounts, step by step. Then one worksheet with every new video.
