Self-Employed Money System Bundle | Excel, Google Sheets (Digital Download)

Every money tool a self-employed person needs, in one bundle. Most freelancers and owners patch their finances together with several apps, a notebook and a panic every April. This bundle replaces that with four connected spreadsheets that run the whole money lifecycle, from your first paycheck to a calculated financial-independence date. Bought separately the four trackers total $52.96; the bundle is $39.99, a saving of $12.97. Works in Excel and Google Sheets, with instant download.

What is included (four complete trackers)

• Paycheck Budget Planner ($8.99 value): auto-splits each paycheck across six buckets so every dollar has a job. 8 tabs, 240 formulas.
• Freelancer Finance Tracker ($14.99 value): reserves 25 to 30% for taxes, builds a 3-month buffer for slow months, calculates your real hourly rate and scores client profitability. 10 tabs, 321 formulas.
• Small Business Finance Tracker ($13.99 value): a Profit First style allocation, quarterly tax estimates (federal, state and self-employment) and an accountant-ready P&L. 10 tabs, 139 formulas.
• FIRE Tracker & Calculator ($14.99 value): tracks net worth and projects your financial-independence date with NPER math, plus Coast FIRE and a safe withdrawal rate. 10 tabs, 280 formulas.

The bundle by the numbers

• 38 connected tabs across 4 spreadsheets
• 980 live formulas that recalculate automatically
• 11 built-in calculation engines
• 8 core files: 4 Excel (Google Sheets compatible) plus 4 Quick Start PDFs
• A 5-page Welcome Guide with a month-by-month sequence
• No subscriptions and no recurring fees

The roadmap

• Start — Paycheck Budget Planner to build the foundation
• Scale — Freelancer Finance Tracker as you take on clients
• Run — Small Business Tracker once you form an LLC
• Free — FIRE Tracker to track wealth and find your date

Who it is for

• Freelancers and contractors with irregular income
• Small business and LLC owners
• Anyone moving from a paycheck toward financial independence
• Spreadsheet-minded self-employed people who want one connected system

Instant delivery

Files arrive immediately after purchase: four Excel spreadsheets, four Quick Start PDFs and a Welcome Guide. Works on Mac, Windows, iOS and Android. No subscription, no login.

For personal finance organization only. This is not financial, tax or investment advice; tax rates and rules change, so confirm figures with a qualified professional. References to Profit First and the Trinity Study are to published frameworks for general context. Designed and built by SpendFlow Studio.