Core system
$19 standalone
The Monetru Money System
Turn uneven pay into a fixed monthly salary.
37-page PDF + Excel tracker
- The Reservoir method
- Salary formula
- Overflow rules
- Reservoir Tracker (Excel)
The financial OS for uneven income
Turn an uneven income into a steady paycheck.
Monetru is the system freelancers use to smooth wild income, skim taxes automatically, and finally pay themselves a fixed salary — without budgeting apps or willpower.
Instant download · Works with any bank · 30-day guarantee · One-time payment, no subscription.
If you've felt this
The problem was never how much you earn. It's the shape it arrives in.
01
A huge month, then three lean ones.
02
April tax bills you never saw coming.
03
You earn well but never feel stable.
How Monetru works
One reservoir. Three moves. Total calm.
The Reservoir absorbs the shape of your income and releases it as something predictable — a salary you can plan a life around.
1
01
Capture
Every payment lands in one Reservoir account. No mental math, no scattered pots.
2
02
Smooth
You pay yourself a fixed monthly salary from the Reservoir — the same date, the same amount.
3
03
Protect
A fixed percentage skims to taxes. The overflow funds retirement and cushion.
Everything you get
Four modules. Two spreadsheets. One system.
$137of tools $79
Tax
$39 standalone
The Quarterly-Tax Module
Four calm payments. Never surprised in April again.
18-page PDF + Excel calculator
- 2026 US federal brackets
- Safe-harbor rules
- Auto-skim %
- Quarterly Tax Calculator
Long game
The Retirement Decision Tree
The right account for a moving income, in four questions.
21-page PDF
- SEP vs Solo 401(k)
- Roth vs Traditional
- Contribution math
- Overflow-funded strategy
Ops
The AI Bookkeeping Prompts
Clean books in an afternoon with copy-paste prompts.
22-page PDF · 9 prompts
- Categorization
- Deduction hunt
- P&L narrative
- Year-end pack
Free starter
The Feast-or-Famine Fix
The starter guide to ending the income rollercoaster. Free for an email.
Look inside
Real pages. Real numbers.
Every figure verified against 2026 IRS data — not AI filler.
The Reservoir method — the core system, illustrated.
Quarterly tax planner — 2026 federal brackets, built in.
The decision tree — the right account in four questions.
Nine copy-paste prompts for clean books.
The 90-day smoothing curve, step by step.
Built for
Self-employed operators
- Freelancers, consultants, solo agencies
- Schedule C filers
- Anyone with irregular income
- Founders paying themselves
Not for
Everyone else
- W-2 salaried-only earners
- Big teams with payroll
- Anyone wanting done-for-you bookkeeping
Signals
Built on 2026 IRS data. Verified against real freelancer numbers.
- 2026 IRS-verified
- Instant download
- 30-day guarantee
“I paid myself the same amount three months in a row for the first time in eight years.”
“The Q4 tax bill finally stopped being a surprise. I knew the number in October.”
“It's not a budgeting app. It's a system. That's the difference.”
Quotes above are representative of the outcomes the system is designed for, shown until verified customer reviews are published.
Why I built Monetru
I spent years freelancing with a great annual income and a terrible monthly one. Nothing fixed it until I stopped budgeting and started buffering — one account in, one salary out. Monetru is that system, written down, with the tax math already done.
— The Monetru founder
Pricing
One-time payment. Lifetime access.
Free updates. 30-day money-back guarantee. No subscription. Ever.
$137of tools $79
Start here
The Feast-or-Famine Fix
Free
- The starter guide (PDF)
- Email delivery
- No card required
Core + Tracker
The Money System
$19
- 37-page illustrated guide
- Reservoir Tracker (Excel)
- Lifetime updates
Never surprised in April
The Quarterly-Tax Module
$39
- 18-page tax guide
- Quarterly Tax Calculator
- 2026 IRS figures
Best value
Everything · save $58
The Complete Bundle
$79
- All 4 guides + 2 spreadsheets
- Retirement Decision Tree
- AI Bookkeeping Prompts
- Lifetime updates
Secure checkout by Stripe · Accepted:
- Visa
- Mastercard
- Amex
- Apple Pay
- Google Pay
30-day money-back guarantee
Read it. Use it. If your money isn't calmer in 30 days, email us for a full refund — and keep the free guide either way.
Free · The Feast-or-Famine Fix
The starter guide to ending the income rollercoaster.
The core Reservoir idea, in one focused PDF. Read it in 20 minutes. Apply it this month.
FAQ
Questions people always ask.
No. Monetru is written for freelancers, not accountants. If you can open a spreadsheet, you can run the whole system in an evening.
The tax modules use 2026 US federal rules. The income-smoothing system itself is universal and works in any country and any currency.
No. One-time payment. Lifetime access. Free updates whenever the files change.
PDF guides plus Excel spreadsheets. Instant download after payment. Works on Mac, Windows, iPad, and Google Sheets.
Yes. When we refresh the ebooks or spreadsheets, every buyer gets the new version free in their account.
30 days, no questions. Read it, use it, and if your money isn't calmer, email us for a full refund. Keep the free guide either way.
Yes — grab The Feast-or-Famine Fix above. It's the starter guide and it's yours for an email.
Uneven income. Fixed life.
That's Monetru.
Get the Complete Bundle — $79$137of tools $79
- Visa
- Mastercard
- Amex
- Apple Pay
- Google Pay