2027 Solo Business Planner Spreadsheet (Excel + Google Sheets)

Is this for you? You work for yourself, you file Schedule C (or expect to), and your business numbers currently live in your bank app and your head.

WHAT YOU GET

One .xlsx workbook with 11 tabs, a DEMO copy filled with fictional sample data, a START-HERE PDF and LICENSE.txt (personal-use licence included).

• Monthly Budget: plan vs actual each month, actual YTD and % of plan
• Annual Goals: up to 10 goals with quarterly check-ins; revenue and profit fill in automatically
• Monthly P&L by Schedule C line: totals itself from your logs, 12 months plus year to date
• Income, Expense and Mileage logs with Schedule C category dropdowns and an editable mileage rate
• 1099 Contractors: totals per payee, W-9 status, and a flag at an editable threshold
• Quarterly Tax Estimator: a rough federal self-employment + income tax estimate, safe-harbor comparison, suggested quarterly amounts and a payment tracker
• Dashboard: 3 charts and 12 KPI tiles

TAX FIGURES

Editable tax cells pre-filled with 2026 figures; update when the IRS publishes 2027 numbers.

WORKS WITH

Tested in LibreOffice; built for Excel and Google Sheets. For Google Sheets, upload the .xlsx to Google Drive and choose File > Save as Google Sheets (steps in START-HERE.pdf; sheet protection doesn't carry over).

US-focused: USD, mm/dd/yyyy, IRS Schedule C categories. Logs hold 400 income rows, 800 expenses, 400 trips and 40 contractors.

NOT INCLUDED

Bank sync, payroll, invoicing or filing. This is a planner and tracker, not accounting software.

NOT TAX ADVICE

The quarterly-tax estimator gives a rough estimate from your P&L and the rates you enter (federal self-employment and income tax; optional flat state rate). It is not tax advice and leaves out many rules (e.g. the 0.9% Additional Medicare Tax, QBI income limits, AMT, phase-outs). Confirm your estimated payments with a tax professional or the IRS Form 1040-ES worksheet.

HOW IT WAS MADE

Built with AI assistance. Formulas were checked by recalculating the workbook in LibreOffice (0 formula errors) and comparing key totals and tax figures with an independent calculation.

Try it first: free One-Month Budget https://payhip.com/b/0aRJU

Pairs with: Year-End Books Cleanup: close out 2026, then start 2027 here. https://payhip.com/b/DSuho

Questions: quietenginecompany@gmail.com