Run your business money and your household money in one spreadsheet, keep your tax money safe, and see next month's cash before it happens.

Most budget spreadsheets are built for a steady paycheck. When you work for yourself, income is lumpy, taxes aren't withheld and business and personal money blur together. This planner keeps both sets of books in one file and connects them with owner pay. It works in Google Sheets and Excel.

What's included

• Dashboard: business profit, margin, tax still to hold back, business cash, household left-over and savings rate, with a 12-month table and two charts

• 12-month cash flow forecast that uses your actual numbers where you have them and your budget where you don't, and warns you before cash runs short

• Annual budget for 60 editable categories: type a default once and every month fills in

• Monthly budget vs actual and year-to-date, with over-budget flags

• One transactions log (1,500 rows) with category dropdowns. Type, month and year fill in automatically

• Tax reserve: your set-aside % of profit, minus the estimated payments you've made

• Bills & subscriptions tracker: true monthly and yearly cost, due-in-7-days alerts, and what cancelling saves

• Debt payoff planner (snowball or avalanche, up to 8 debts) with payoff order, dates, interest and a debt-free date

• Savings goals that track themselves, plus a monthly net worth tracker

• A filled-in EXAMPLE file and a 7-page quick-start PDF

Who it's for

Freelancers, coaches, real estate agents, creators and sole proprietors who pay themselves from their business and want one place for every dollar, without accounting software.

How delivery works

Instant download (ZIP). Upload to Google Drive and choose "Save as Google Sheets", or open it in Excel. One-time payment, no subscription.

FAQ

Q: Is this tax advice?

A: No. It's a planning and record-keeping tool. Check with a tax professional before you file.

Q: I don't have a business. Will it still work?

A: Yes. Leave the business categories empty and use the household side, bills, debt payoff, savings and net worth.

Refunds: if the files don't work for you, email me within 30 days of purchase and I'll refund you.