{"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":9.79,"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","url":"https:\/\/spendflowstudio.com\/products\/small-business-finance-tracker-profit-first-tax-reserve-p-amp-l-excel-google-sheets","provider":"SpendFlow Studio","version":"1.0","type":"link"}