Stop Guessing What You Make. Know Your Earning Power.
Track all income sources, understand volatility patterns, and make smarter decisions about your earning power:whether you're W-2, 1099, or a mix of both.
The Variable Income Trap
Most people with variable income make the same critical mistakes:and wonder why they're always stressed about money.
Budgeting on Best Months
You made $9k in March, so you think you make $9k/month. But when April brings $4k, you're scrambling. Budgeting on your best month is a recipe for constant shortfalls.
Invisible Income Volatility
You have no idea if your income swings are normal, seasonal, or a red flag. Without volatility tracking, you can't plan for the chaos:or fix it.
Single Source Dependency
95% of your income from one client or employer? One layoff, one contract loss, and you're in crisis mode. You need diversification:but don't know where to start.
How P25 Income Tracking Works
The P25 method eliminates budget stress by helping you budget on your worst-case income:not your best month.
Connect All Income Sources
Link every bank account, PayPal, Venmo, 1099 platform, and W-2 employer via Plaid. CareerPhases automatically tracks deposits and categorizes income streams:W-2 salary, 1099 gigs, side hustles, bonuses, RSUs, everything.
We Calculate Your P25 Baseline
After 3-6 months of data, CareerPhases calculates your 25th percentile income:the amount you earn in your worst months. This becomes your budget baseline. Example: 12 months of income ranging from $3,200 to $9,100 = P25 of $3,800/mo.
Budget on P25, Bank the Rest
Build your monthly budget on your P25 income:not your average or best month. Anything you earn above P25 goes straight to savings, investments, or debt payoff. This eliminates budget shortfalls and builds wealth automatically.
Calculate Your P25 Income Baseline
Enter your last 12 months of income to see what you can actually count on:and what you should budget on.
P25 Income Calculator
Enter your last 6 months of income to calculate your P25 baseline—the income you can count on even in your worst months.
Income Intelligence That Powers Better Decisions
Stop guessing what you make. Know exactly:and use that data to build a bulletproof financial plan.
Multi-Source Tracking
W-2 salary, 1099 gigs, side hustles, bonuses, RSUs:all tracked automatically via Plaid in one unified dashboard.
P25 Income Baseline
Budget on your 25th percentile income:not your best month. Never overspend or stress about shortfalls again.
Volatility Scoring
See if your income is stable, seasonal, or unpredictable. Get actionable insights on emergency fund sizing.
Diversification Analysis
Know if you're over-reliant on one income source. Get recommendations for building multiple revenue streams.
Income Trend Analysis
Track 6-month and 12-month trends. Know if your earning power is growing, flat, or declining:before it becomes a crisis.
Windfall Management
Identify bonus months and high-earning periods. Get smart allocation suggestions: save, invest, or accelerate debt payoff.
Real Income Management Success Stories
Thousands of professionals have stopped guessing and started knowing their earning power:here's what happened.
"I was budgeting on $6k/month (my average) and always coming up short. CareerPhases showed my P25 was $3,800. I rebuilt my budget on that baseline and saved everything above it. Built a 6-month emergency fund in 14 months. Zero budget stress now."
"I thought I made $95k because that's my base salary. But I was treating my $40k annual bonus like guaranteed income:and spending accordingly. CareerPhases made me budget on base salary only. Used bonuses for down payment. Bought a house 2 years early."
"The income diversification score was a wake-up call. 95% of my income from one client. I started a side consulting gig, diversified to 70/30 split. When my main client downsized, I was stressed but not screwed. That side gig saved me."
Take Command of Your Earning Power
Join thousands of professionals who've stopped guessing and started knowing their true income:and using that data to build financial freedom.