Contractors, freelancers, hourly workers, anyone on commission or tips.
You do not get paid the same amount every month
How do I plan when I do not know what is coming in?
Freelance, hourly, commission, seasonal. Tools that assume a salary are useless here, and that is most of them.
Income is modeled as a distribution
The recurrence detector measures schedule reliability and amount stability separately. Regular income scores high on both. Irregular income scores low on amount, and the simulation widens accordingly rather than pretending to a certainty it does not have.
The answer is a floor, not an average
An average income figure is actively misleading when the variance is large. What matters is the fifth percentile — the bad month you should be able to survive — and that is what the lower band shows.
Obligations do not flex, so they are modeled as fixed
Rent does not care that it was a slow quarter. Separating contractual from discretionary makes the actual squeeze visible instead of averaging it away.