Small Business Finance Tracker: Excel & Google Sheets Template

Small Business Finance Tracker for Excel and Google Sheets

A bookkeeping spreadsheet for freelancers and small service businesses. You log income, expenses and mileage, and the workbook builds a monthly profit and loss, cash flow, a budget comparison and a Schedule C tax summary from those entries.

What's included

• Income and expense logs with 500 rows each, dropdown categories, paid and unpaid status, and columns for receipts and tax-deductible items
• A monthly P&L for 12 months and up to 32 categories, with margin and a running total
• A tax summary that groups expenses by Schedule C line (meals at 50%), suggests a tax set-aside and lists the quarterly estimated tax due dates
• A mileage log for 300 trips that applies the IRS standard rate for the trip date (2025 and 2026 rates included, and you can edit them)
• Cash flow by month and a budget vs actual tab
• A dashboard with year to date figures, one month you pick from a list, and 4 charts
• A Phone View tab with the main numbers in one narrow column
• An Instructions tab and a 2-page Quick Start Guide (PDF)

Files

• Small Business Finance Tracker.xlsx, with a fictional sample year filled in
• Small Business Finance Tracker (blank).xlsx, the same workbook with no data
• Quick Start Guide.pdf

You get them in one zip file, Small Business Finance Tracker.zip.

Good to know

Works in Excel 2016 or later and Microsoft 365 on Windows or Mac, and in Google Sheets on a computer, phone or tablet. There are no macros or add-ins. To use it in Google Sheets, upload the .xlsx to Google Drive, open it with Google Sheets, then choose File > Save as Google Sheets.

Gray cells hold formulas. You only type in the white cells.

This is a digital download, so nothing is shipped. You can download the files from your Etsy Purchases page (or the Payhip link) right after you buy. Sample names and figures are fictional.

License (single company): for use inside one company only. You may edit it and use it with your team. You may not resell, share or redistribute the files, or use one purchase for more than one company.

Questions? Email Bengopoyan1@gmail.com. More templates: etsy.com/shop/KeelAndCharter and payhip.com/KeelandCharter

Tax disclaimer: This template is an organizational tool, not tax, legal or accounting advice. Tax rules and IRS rates change; confirm figures with a qualified tax professional before filing.

Designed and reviewed by Keel & Charter. AI tools helped build the spreadsheets, draft the text and lay out the preview images. Preview images show the actual files with sample data.