Know what you owe before you spend it.
Freelance income arrives gross and leaves net, and the gap is the part nobody enjoys. The money to cover it is in your account right now, which is exactly why it disappears.
What is in it
- Income logged as it lands, with the set-aside worked out per invoice
- Expenses and allowable costs in the same file
- A running estimate of what is owed, not a year-end surprise
- Quarterly view for anyone paying on account
- Filled example plus a blank copy
Who it is for
Freelancers, contractors and the self-employed.
How it works
Microsoft Excel 2016 or newer on Windows or Mac, and Google Sheets — upload the file and open it with Sheets, every formula works. LibreOffice too. No macros, no add-ons, no account to create and nothing to install.
The download is instant. Every workbook ships twice: one with a worked example already filled in so you can see what each column expects, and the same file completely blank for your own numbers. A plain-English Start Here guide comes with it as a PDF.
Sold through my Etsy shop, ThePlainLedger, so the download, the payment and the buyer protection are all handled by Etsy. I never ask for access to anything — no password, no manager invite, no app permissions. You download a file; that is the whole transaction.