Drive, Deliver, Earn — And Actually Keep More of It
Whether you drive for Uber, deliver for DoorDash, or juggle multiple gigs, this budget helps you track every dollar and keep the IRS happy.
Recommended Budget Split for Gig Workers
Needs
Wants
Savings
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Key Expenses to Track
Common Financial Challenges for Gig Workers
Income varies wildly week to week
Multiple income streams are hard to track
Vehicle expenses, gas, and depreciation eat into profits
Easy to forget about self-employment taxes
Budget Tips for Gig Workers
Track your real hourly rate
Subtract gas, maintenance, phone, and depreciation from your gross earnings. Most gig workers overestimate their actual hourly rate by 30–40%.
Automate tax savings per deposit
Every time earnings hit your account, move 25–30% to a tax savings account. EyeCash can help you track these transfers.
Budget for vehicle costs separately
Create a dedicated "vehicle fund" category. Oil changes, tires, insurance, and repairs are business costs — track them for deductions.
Set a weekly earnings floor
Decide the minimum you need to earn each week to cover essentials. Work until you hit that floor, then decide if extra hours are worth it.
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