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Foundation · Build the basics
Simple Money Tracker
Money in, money out, and what to set aside for taxes.
- Spreadsheet
- 4 pages
- About 20 minutes to fill in
- Google Sheets · Excel · PDF
Making this yourself would take about 6 hours: working out the steps, writing the examples and setting it up in Google, Microsoft and PDF. It's done for you.
The voice in this video is George's, made with AI.
What it's for
Money has started coming in and going out, and you want to keep it straight without accounting software. This is education, not legal or tax advice.
Pairs well with
- Set Up the Basics (separating money and setting some aside)
- Pricing Calculator (check that your price leaves enough)
- Numbers That Matter (your weekly scorecard)
What you'll leave with
- One line for every payment in or out, with a category.
- Monthly totals that fill themselves in: money in, money out and what's left.
- An amount to set aside for taxes each month, using the share you choose.
- What's left after the set-aside.
Look inside
How to use it
Work through the steps in order. Each one has a worked example and space to write your own answer.
- Open the Start Here tabRead the steps, the color key and the tax note.
- Look at the Example tabSee how Jamal tracks his pressure washing business.
- Your Turn, the topCheck the year and type the share you'll set aside for taxes.
- Your Turn, categoriesChange the category names in the yellow list to suit your business. Keep it to about ten.
- Your Turn, each weekAdd one line for every payment in or out: date, what it was, amount and category.
- Read the resultsThe monthly table on the right fills itself in.
- Move the set-asideEach month, move that amount to a separate savings account so it's there when taxes are due.
Tips
- Ask a tax professional what share to set aside. The sheet uses whatever you type.
- A separate free bank account for the business makes everything easier to see.
- Take out account numbers and customer names before you paste anything into a free AI tool.
Three formats, one purchase
- Google SheetsMake a copy in your Google Drive and type straight into it.
- Microsoft ExcelDownload and fill it in on your computer.
- PDFPrint it and fill it in with a pen.
Foundation pack
Also in the Foundation pack
6 documents in all
Build Your First Offer
Turn what you learned into one small offer people can say yes to.
About 10 hours to make yourself
Price Your Offer
Set a first price that covers your costs and your time.
About 9 hours to make yourself
Pricing Calculator
Change one number and see your price and what you keep.
About 6 hours to make yourself
Set Up the Basics
Put the few protections in place before money changes hands.
About 10 hours to make yourself
Simple Terms for Your Customers
Agree the basics in plain English before the work starts.
About 9 hours to make yourself
Ready to start?
Pay once, keep it, and download it as often as you like.