Freelancer & Consultant Spreadsheet 2026

The complete spreadsheet for freelancers and consultants. You bill $100 an hour but keep about $53 after unpaid time and self-employment tax. This shows you exactly where the rest goes.

All in one file:

- Your real effective hourly rate, after admin, proposals and the 15.3% self-employment tax

- Invoice and payment tracker that flags overdue clients automatically

- Quarterly tax set-aside (the 25 to 30 percent rule) and the four 1040-ES deadlines

- Client profitability ranking, so you see which clients quietly underpay you

- Deduction catcher: home office, software, health insurance and SEP-IRA, each mapped to the right tax line

- 90-day cash flow forecast from your booked invoices and subscriptions

Built for 2026. Works in Excel and Google Sheets.

Pay once, $29. Yours forever. No login, no monthly fee, your data stays yours.

7-day money-back guarantee.

This is a tracking tool, not tax advice. Always confirm with a licensed CPA before filing.