{"title":"Business","description":"\u003cp\u003eWorking for yourself means doing your own books, and these spreadsheets make that lighter. They cover profit and loss, setting aside tax as you earn, working out which clients actually pay off, and pricing your time properly. Built for freelancers and small businesses in Excel and Google Sheets.\u003c\/p\u003e","products":[{"product_id":"client-profitability-tracker-freelancer-agency-crm-project-margin-spreadsheet-excel-google-sheets","title":"Client Profitability Tracker, Freelancer Agency CRM, Project Margin Spreadsheet (Excel, Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eScore every client. Spot red flags early. Build a profitable book of business.\u003c\/strong\u003e Most freelancers and agencies don't know which clients actually make them money. Revenue feels good; profit is what matters. Client Profitability Pro brings every client, project and margin into one calm, color-coded command center so you can catch scope creep, price with confidence and end relationships that drain you. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eClient Health Score (0–100)\u003c\/h3\u003e\n\u003cp\u003eAn auto-calculated score built from five weighted components that updates as you log clients and projects. Above 85 means a healthy book of business; below 50 means a major client cleanup is due.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 7 tabs and 296 live formulas\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF (6 pages, beginner friendly)\u003c\/li\u003e\n\u003cli\u003ePricing Strategy Guide PDF (6 pages, freelancer playbook)\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eThe engines\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eClient Health Score Engine\u003c\/strong\u003e — one number from 0 to 100 across Profitability (30%), Payment Speed (25%), Scope Creep (20%), Retention (15%) and Communication (10%).\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eStatus Engine\u003c\/strong\u003e — conditional formatting flags every client and project from Active to Red Flag, with margins auto-colored.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRed Flag Engine\u003c\/strong\u003e — auto-detects five risk signals (low margin, late payment, scope creep, margin decline, weak communication) with severity and a recommended next step.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePricing Engine\u003c\/strong\u003e — three rate tiers plus a minimum-rate calculator that returns your minimum profitable hourly rate from your income target and billable hours.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eScope Creep Engine\u003c\/strong\u003e — tracks estimated vs actual hours with three thresholds and a period summary.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside every tab\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — four-step quickstart and tab overview\u003c\/li\u003e\n\u003cli\u003eDashboard — 5 KPI cards, 2 charts, top 8 clients\u003c\/li\u003e\n\u003cli\u003eClients — 30 clients with revenue, profit, health and tier\u003c\/li\u003e\n\u003cli\u003eProjects — 50 projects with hours, status and progress bars\u003c\/li\u003e\n\u003cli\u003eTime Log — actual vs estimated hours with auto scope creep\u003c\/li\u003e\n\u003cli\u003eProfitability — margins per client and profit per hour\u003c\/li\u003e\n\u003cli\u003eRed Flags — five risk signals with recommended actions\u003c\/li\u003e\n\u003cli\u003ePricing Engine — smart rates and minimum-rate calculator\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eSolo freelancers managing 10 to 30 active clients\u003c\/li\u003e\n\u003cli\u003eDesign agencies tracking profit across team members\u003c\/li\u003e\n\u003cli\u003eConsultants mixing hourly and retainer engagements\u003c\/li\u003e\n\u003cli\u003eService businesses with a recurring client base\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export, a Quick Start Guide PDF and a Pricing Strategy Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login, and your client data stays with you.\u003c\/p\u003e\n\n\u003ch3\u003eFile details\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eFormat: .xlsx and .csv\u003c\/li\u003e\n\u003cli\u003e7 spreadsheet tabs plus PDF guides\u003c\/li\u003e\n\u003cli\u003e296 live formulas\u003c\/li\u003e\n\u003cli\u003eCompatible with Excel 2016+, Google Sheets, LibreOffice and Numbers\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003cp\u003e\u003cem\u003eFor business tracking and organization only. This is not financial or accounting advice. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274102247617,"sku":null,"price":10.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8057125421_6row.jpg?v=1780069466"},{"product_id":"small-business-finance-tracker-profit-first-tax-reserve-p-amp-l-excel-google-sheets","title":"Small Business Finance Tracker | Profit First, Tax Reserve, P\u0026L (Excel, Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eRun your business like a CEO, without hiring one.\u003c\/strong\u003e Many small business owners treat finances as a tax-time chore: sales come in, expenses go out, and whatever is left gets called profit. This tracker flips that with three engines built on the Profit First framework, real quarterly tax math and a P\u0026amp;L formatted the way an accountant expects, so you get clarity without a bookkeeper or a Quickbooks subscription. Built with 10 connected tabs. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eThree engines\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eProfit First\u003c\/strong\u003e — allocate every dollar across five buckets with a five-account setup so profit comes first, not last.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eTax Reserve\u003c\/strong\u003e — a three-rate auto-calculation (federal, state and self-employment) tied to quarterly deadlines.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eP\u0026amp;L Statement\u003c\/strong\u003e — an income statement auto-built and formatted for your accountant.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 10 connected tabs\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside every tab\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — business name, type, tax rates and allocation rules\u003c\/li\u003e\n\u003cli\u003eDashboard — live revenue, expenses, tax reserve, net profit and margin\u003c\/li\u003e\n\u003cli\u003eRevenue — 100 sale rows with paid, pending and overdue status\u003c\/li\u003e\n\u003cli\u003eExpenses — 100 rows with category and tax-deductible flags\u003c\/li\u003e\n\u003cli\u003eProfit First — five buckets across a five-account setup\u003c\/li\u003e\n\u003cli\u003eTax Reserve — three-rate auto-calculation with quarterly deadlines\u003c\/li\u003e\n\u003cli\u003eP\u0026amp;L Statement — an accountant-ready income statement\u003c\/li\u003e\n\u003cli\u003eCash Flow — 12 months of cash in vs out with running balance and burn rate\u003c\/li\u003e\n\u003cli\u003eQuarterly — Q1 to Q4 summaries\u003c\/li\u003e\n\u003cli\u003eGoals — targets for revenue, margin and reserves\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eLLC owners and sole proprietors\u003c\/li\u003e\n\u003cli\u003eE-commerce sellers and freelancers running a real operation\u003c\/li\u003e\n\u003cli\u003eS-corp owners who want a clean P\u0026amp;L on demand\u003c\/li\u003e\n\u003cli\u003eAnyone who wants bookkeeping clarity without monthly software\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal business organization only. This is not tax, accounting or financial advice; tax rates and rules change, so confirm figures with a qualified professional. Profit First is a published framework referenced for general context. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274157166785,"sku":null,"price":9.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8048225716_lixw.jpg?v=1780070522"},{"product_id":"freelancer-finance-tracker-tax-reserve-income-buffer-hourly-rate-excel-google-sheets","title":"Freelancer Finance Tracker | Tax Reserve, Income Buffer, Hourly Rate (Excel, Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eThe finance tracker built for irregular freelance income.\u003c\/strong\u003e When some months are feast and others famine, generic budgets break. This tracker reserves taxes automatically, builds a buffer for slow months, tells you what you actually earn per hour and scores which clients are worth keeping. Built with 10 connected tabs. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eThree engines\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eFeast or Famine Buffer\u003c\/strong\u003e — sets a buffer target and shows whether you are healthy or at risk before a slow month hits.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eReal Hourly Rate\u003c\/strong\u003e — compares your quoted rate to what you truly earn after unpaid hours and overhead.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eClient Profitability\u003c\/strong\u003e — grades each client so you know which to keep, raise or drop.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 10 connected tabs\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside every tab\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — your rates, tax percentage and buffer target\u003c\/li\u003e\n\u003cli\u003eDashboard — income, expenses, profit and savings rate\u003c\/li\u003e\n\u003cli\u003eIncome Log — every payment with client and status\u003c\/li\u003e\n\u003cli\u003eExpenses — categories with tax-deductible flags\u003c\/li\u003e\n\u003cli\u003eTax Reserve — auto-reserves a set percentage as money comes in\u003c\/li\u003e\n\u003cli\u003eIncome Buffer — the feast-or-famine engine\u003c\/li\u003e\n\u003cli\u003eHourly Rate — quoted vs real rate\u003c\/li\u003e\n\u003cli\u003eClients — profitability grading per client\u003c\/li\u003e\n\u003cli\u003eQuarterly — Q1 to Q4 summaries\u003c\/li\u003e\n\u003cli\u003eGoals — income and savings targets\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eFreelancers and contractors with variable income\u003c\/li\u003e\n\u003cli\u003eDesigners, writers, developers and photographers\u003c\/li\u003e\n\u003cli\u003eAnyone who wants to reserve taxes automatically\u003c\/li\u003e\n\u003cli\u003eSelf-employed people unsure which clients actually pay off\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal finance organization only. This is not tax or financial advice; tax rates and rules change, so confirm figures with a qualified professional. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274166800577,"sku":null,"price":10.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8096156065_9e6c.jpg?v=1780070590"},{"product_id":"tax-planning-spreadsheet-2026-federal-brackets-calculator-excel-google-sheets","title":"Tax Planning Spreadsheet | 2026 Federal Brackets Calculator (Excel, Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eSee your refund or balance due all year, not just in April.\u003c\/strong\u003e Enter your income and deductions and the Tax Engine applies the 2026 federal brackets to show your taxable income, federal tax, marginal rate and a live refund-or-owe verdict. Plan ahead instead of being surprised at filing time. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eThe Tax Engine\u003c\/h3\u003e\n\u003cp\u003eBuilt on the 2026 federal brackets for Single and Married Filing Jointly, it computes four numbers that matter: taxable income, federal tax, marginal rate, and refund or owe. Adjust withholding or estimated payments and the verdict updates instantly.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 7 connected tabs and live formulas\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside every tab\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — filing status and your settings\u003c\/li\u003e\n\u003cli\u003eDashboard — the four key tax numbers at a glance\u003c\/li\u003e\n\u003cli\u003eTax Engine — the 2026 federal-bracket calculation\u003c\/li\u003e\n\u003cli\u003eIncome — W-2 salary, 1099 contract, side hustle, investments and capital gains\u003c\/li\u003e\n\u003cli\u003eDeductions — mortgage interest, state and local tax, charitable giving and medical\u003c\/li\u003e\n\u003cli\u003eRefund or Owe — live verdict with withholding and estimated payments\u003c\/li\u003e\n\u003cli\u003eGoals — targets for withholding and quarterly estimates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eW-2 earners who want no surprises at tax time\u003c\/li\u003e\n\u003cli\u003ePeople with side income or 1099 work\u003c\/li\u003e\n\u003cli\u003eAnyone weighing deductions and withholding during the year\u003c\/li\u003e\n\u003cli\u003eCouples planning a joint return\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal planning only. This is not tax advice; brackets and rules change and your situation may differ, so confirm with a qualified tax professional. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274167455937,"sku":null,"price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8095657355_d6y4.jpg?v=1780070665"}],"url":"https:\/\/spendflowstudio.com\/collections\/business.oembed","provider":"SpendFlow Studio","version":"1.0","type":"link"}