{"product_id":"self-employed-money-system-bundle-excel-google-sheets-digital-download","title":"Self-Employed Money System Bundle | Excel, Google Sheets (Digital Download)","description":"\u003cp\u003e\u003cstrong\u003eEvery money tool a self-employed person needs, in one bundle.\u003c\/strong\u003e 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.\u003c\/p\u003e\n\n\u003ch3\u003eWhat is included (four complete trackers)\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003ePaycheck Budget Planner\u003c\/strong\u003e ($8.99 value): auto-splits each paycheck across six buckets so every dollar has a job. 8 tabs, 240 formulas.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFreelancer Finance Tracker\u003c\/strong\u003e ($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.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSmall Business Finance Tracker\u003c\/strong\u003e ($13.99 value): a Profit First style allocation, quarterly tax estimates (federal, state and self-employment) and an accountant-ready P\u0026amp;L. 10 tabs, 139 formulas.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFIRE Tracker \u0026amp; Calculator\u003c\/strong\u003e ($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.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eThe bundle by the numbers\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e38 connected tabs across 4 spreadsheets\u003c\/li\u003e\n\u003cli\u003e980 live formulas that recalculate automatically\u003c\/li\u003e\n\u003cli\u003e11 built-in calculation engines\u003c\/li\u003e\n\u003cli\u003e8 core files: 4 Excel (Google Sheets compatible) plus 4 Quick Start PDFs\u003c\/li\u003e\n\u003cli\u003eA 5-page Welcome Guide with a month-by-month sequence\u003c\/li\u003e\n\u003cli\u003eNo subscriptions and no recurring fees\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eThe roadmap\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart — Paycheck Budget Planner to build the foundation\u003c\/li\u003e\n\u003cli\u003eScale — Freelancer Finance Tracker as you take on clients\u003c\/li\u003e\n\u003cli\u003eRun — Small Business Tracker once you form an LLC\u003c\/li\u003e\n\u003cli\u003eFree — FIRE Tracker to track wealth and find your date\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 irregular income\u003c\/li\u003e\n\u003cli\u003eSmall business and LLC owners\u003c\/li\u003e\n\u003cli\u003eAnyone moving from a paycheck toward financial independence\u003c\/li\u003e\n\u003cli\u003eSpreadsheet-minded self-employed people who want one connected system\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles 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.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor 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.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274135933121,"sku":null,"price":27.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8092192765_luit.jpg?v=1780070075","url":"https:\/\/spendflowstudio.com\/products\/self-employed-money-system-bundle-excel-google-sheets-digital-download","provider":"SpendFlow Studio","version":"1.0","type":"link"}