Small Business Finance Tracker | Profit First, Tax Reserve, P&L (Excel, Google Sheets)

Run your business like a CEO, without hiring one. 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&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.

Three engines

• Profit First — allocate every dollar across five buckets with a five-account setup so profit comes first, not last.
• Tax Reserve — a three-rate auto-calculation (federal, state and self-employment) tied to quarterly deadlines.
• P&L Statement — an income statement auto-built and formatted for your accountant.

What you get

• Excel file with 10 connected tabs
• Google Sheets compatible
• Quick Start Guide PDF
• CSV export for non-Excel users
• Free lifetime updates

Inside every tab

• Start Here — business name, type, tax rates and allocation rules
• Dashboard — live revenue, expenses, tax reserve, net profit and margin
• Revenue — 100 sale rows with paid, pending and overdue status
• Expenses — 100 rows with category and tax-deductible flags
• Profit First — five buckets across a five-account setup
• Tax Reserve — three-rate auto-calculation with quarterly deadlines
• P&L Statement — an accountant-ready income statement
• Cash Flow — 12 months of cash in vs out with running balance and burn rate
• Quarterly — Q1 to Q4 summaries
• Goals — targets for revenue, margin and reserves

Who it is for

• LLC owners and sole proprietors
• E-commerce sellers and freelancers running a real operation
• S-corp owners who want a clean P&L on demand
• Anyone who wants bookkeeping clarity without monthly software

Instant delivery

Files 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.

For 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.