PDF · 37 pagesCore 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)
Downloadable finance guides for freelancers
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.
A bundle of 5 illustrated PDF guides + 2 Excel tools — instant download, yours to keep forever.
Reservoir Tracker .xlsxTax Calculator .xlsx
5 illustrated PDF guides · 2 Excel tools · instant download
Instant PDF download · Works on any device · 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.
Look inside
Real pages, Real numbers
Every figure verified against 2026 IRS data
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.
PDF · 37 pagesPDF · 18 pagesTax
$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
PDF · 21 pagesLong 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
PDF · 22 pages · 9 promptsOps
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 PDFFree starter
The Feast-or-Famine Fix
The starter guide to ending the income rollercoaster. Free, no email required.
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
- Lifetime access
“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. No subscription. Ever.
Free PDFStart here
The Feast-or-Famine Fix
Free
- The starter guide (PDF)
- Email delivery
- No card required
PDF · 37 pagesCore + Tracker
The Money System
$19
- 37-page illustrated guide
- Reservoir Tracker (Excel)
- Lifetime updates
PDF · 18 pagesNever surprised in April
The Quarterly-Tax Module
$39
- 18-page tax guide
- Quarterly Tax Calculator
- 2026 IRS figures
Best value
5 PDFs + 2 ExcelEverything · save $58
The Complete Bundle
$79
- All 5 PDF guides + 2 Excel tools
- Retirement Decision Tree
- AI Bookkeeping Prompts
- Lifetime updates
Newsletter
Monetru updates, straight to your inbox
Practical notes on smoothing uneven income, tax-season reminders, and news whenever the guides and spreadsheets are updated. No spam — unsubscribe in one click.
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 guides 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.
Email us and we'll sort it out or re-send the file. Because these are instant digital downloads, purchases are final once the files are delivered.
Yes — download The Feast-or-Famine Fix above. It's the starter guide and it's completely free, no email required.