Small Business Cash & Profit Kit (Excel + Google Sheets)

Profitable on paper. Short in the bank.

If that sounds familiar, the problem is rarely effort. It is usually timing: customers pay later than wages, rent and suppliers, money goes into stock and equipment, and loan repayments and what you take home leave the account without ever showing as a cost. This kit shows you where your money goes before it goes.

WHAT IT DOES

You plan the next twelve months in one place. The kit turns that plan into:

• Your bank balance at the end of every month, with your tightest month flagged before you reach it

• A profit and loss account, cash flow statement and balance sheet for every month, linked and checked against each other

• Profit vs Cash: line by line, why your bank balance is different from your profit, and the single biggest drain

• True pricing for up to ten products or services, counting your own time and a share of overheads, with the price you need for the margin you want

• Break-even sales per month and your safety margin

• Six what-if tests: raise prices, lose a customer, hire someone, cut direct costs, get paid sooner, take less out

• A dashboard of fourteen numbers, each marked Good, OK, Watch or Problem, with a plain-English sentence explaining it

WHY NOT ANOTHER SUBSCRIPTION?

Accounting software records what has already happened, and charges every month for it. QuickBooks Online starts at $38 a month in the US, more than $450 a year. This kit does a different job: it plans ahead and explains your numbers. You pay once and use it every year. If you already have accounting software, the kit sits beside it.

EASY TO USE

• Type into the yellow cells only. Everything else calculates.

• An example business is filled in, so you can see how it works first.

• About 30 minutes to set up, then 15 minutes a month.

• Any currency. Excel 2010 or later, Google Sheets and LibreOffice.

• Every formula is visible, so your accountant can check it.

WHAT YOU GET

• The Cash & Profit Kit workbook (.xlsx, 11 tabs)

• A 9-page PDF guide with a 15-minute monthly routine

WHO IT IS FOR

Owners of shops, workshops, cafés, service businesses and small manufacturers who sell, pay staff and suppliers, and never had formal finance training.

It is not bookkeeping or payroll software and does not calculate tax.

Built by Ismail Hassan, ACCA-qualified finance professional and author of The Small Business Financial Survival Guide.

Try the free Cash Flow Forecast Calculator first: hikmadaily.com/cash-flow-forecast-calculator

Not for you? Email within 14 days of buying for a full refund.

For use in your own business. Please do not resell or share the files. A planning tool for general education, not financial, tax or legal advice.

cash flow, small business, financial statements, profit and loss, balance sheet, pricing, break even, spreadsheet template, excel template, google sheets