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Freelancers and side hustles do not need accounting software; they need one file that answers "how much did I make, what did I spend, who still owes me and how much tax should I set aside". This workbook does exactly that. Log money in on the Income Ledger and money out on the Expense Ledger, add your invoices, and everything else calculates: the Dashboard, a month-by-month profit and loss report, an invoice aging table and a quarterly tax estimate.
Thirteen linked sheets and 15,292 formulas: a 1,000-row income ledger with client and category dropdowns and automatic sales tax / VAT, a 1,500-row expense ledger that applies the right deductible percentage per category (meals at 50%, entertainment at 0%, everything else 100%) and lets you override any row, 300 invoices whose paid amount comes straight from the income ledger by invoice number, with Paid / Partial / Overdue / Open status, days overdue and 0–30 / 31–60 / 61–90 / 90+ aging buckets. There is also a month-end bank reconciliation that reads the leftover difference itself and says what kind of error it is (a swapped-digit signature, an entry on the wrong side, exactly one missing entry, a fee-sized gap), a 400-row mileage log at your own rate, a 30-client table with billed / paid / outstanding, a 50-item inventory and COGS sheet with low-stock flags, and an annual summary with your top clients and biggest costs.
It ships filled with eight months of a fictional freelance design studio so every chart and report is alive on first open — clear the yellow cells in a couple of minutes and it is yours. Any currency, any fiscal-year start month, your own tax and mileage rates. Classic formulas only (no macros, no XLOOKUP, no add-ins), so it behaves identically in Excel 2016+, Excel 365 and Google Sheets.
What you get
- 13 linked sheets · 15,292 formulas · no macros, nothing locked
- Dashboard: revenue, expenses, net profit, margin, outstanding and overdue invoices, tax set-aside, cash collected this month, plus 4 charts
- Income Ledger (1,000 rows) with client and category dropdowns, taxable Y/N and automatic sales tax / VAT
- Expense Ledger (1,500 rows) with a deductible % per category that you can override row by row
- Invoices (300) — due date from your terms, paid pulled from the ledger by invoice number, status, days overdue and aging buckets with a summary block
- Bank Reconciliation: pick the account and the statement month, list what has not cleared — the difference that is left is diagnosed by its arithmetic signature (exactly one entry, exactly twice an entry, under a dollar, divisible by 9)
- Profit & Loss laid out like a real report: income by category × 12 months, cost of sales, gross and net profit, margins and a YTD column
- Quarterly tax estimate with revenue, deductible expenses, mileage, estimated tax, set aside to date and what is left (estimate only — not tax advice)
- Mileage Log (400 trips) at your own rate with round-trip doubling and monthly totals
- 30 clients with billed / paid / outstanding, 50-item inventory with low-stock flags, annual summary with top clients and biggest costs
- Any currency · any fiscal year start month · Excel 2016+ and Google Sheets · PDF set-up guide included
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What's inside
Questions
Does it work in Google Sheets?
Yes. Upload the .xlsx to Google Drive, open it and choose File → Save as Google Sheets. Every formula uses functions Sheets supports (SUMIFS, COUNTIFS, INDEX/MATCH, LARGE, EOMONTH, TEXT); there are no macros, no XLOOKUP and no dynamic arrays. The included PDF walks you through it.
Is this a substitute for an accountant?
No. It keeps your books tidy and gives you an estimate of what to set aside, but the Quarterly Tax Estimate sheet says plainly that it is an estimate for planning only. Tax rules differ by country, state and business type — check the numbers with a professional before you file.
Can I use it outside the US?
Yes. Set any currency symbol, any fiscal-year start month, your own sales-tax or VAT rate and your own mileage rate on the Settings tab. The expense ledger has a "tax paid" column for reclaimable VAT.
How does the invoice tracker know what has been paid?
When you log a payment in the Income Ledger you type the invoice number. The Invoices sheet adds up every ledger row with that number, so balance, status, days overdue and the aging bucket update by themselves. Partial payments work — the invoice shows as Partial until the balance reaches zero.
What about deductible percentages?
Each expense category on Settings has a deductible % — meals default to 50%, client entertainment to 0% and everything else to 100%. The ledger looks it up automatically, and you can type a different % on any single row when a purchase is part personal, part business.
How many rows does it hold?
1,000 income rows, 1,500 expenses, 300 invoices, 400 mileage trips, 30 clients and 50 inventory items — comfortably a full year for most freelancers. Email us if you need a bigger version; it is free.
Business license for use in your own business. No resale or redistribution. Delivered as a ZIP download immediately after payment. No physical item will be shipped.
Small Business Bookkeeping & Invoice Tracker
Ledgers, invoices with aging, a real profit & loss report, quarterly tax estimate and mileage — one file for the whole business year.
Pay by card, Apple Pay or Google Pay
- Works in any country · your own currency
- Download link on the confirmation page and by email
- What you need: Excel 2016+ · Google Sheets
- Refund within 14 days, for any purchase
- 13 sheets · 15,292 formulas
- Formats: .xlsx (Excel 2016+, Google Sheets) + PDF guide
- ZIP: 299 KB
Any purchase is refunded if you ask within 14 days of payment. Files that will not open, and anything that does not match its description, are refunded in full at any time, with no time limit.
