Latest posts
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Annual Financial Report with Charts | Free Excel & Google Sheets Template [2026]
By February, most small business owners have a year of transactions scattered across a bank export, two credit card statements, an invoice app, and a folder of receipts. Producing an annual report…
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Profit and Loss Statement | Free Excel & Google Sheets Template [2026]
You deposited $48,000 last quarter. Was the business actually profitable? Without a structured P&L, the honest answer is that you do not know. Revenue in your bank account feels like profit until you…
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Small Business Cash Flow Statement | Free Excel & Google Sheets Template [2026]
A profitable business can still run out of money. Your profit and loss statement records revenue when you earn it; your bank account moves only when cash actually arrives. A client paying in 45 days…
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Expense Detail Tracker | Free Excel & Google Sheets Template [2026]
Most expense spreadsheets record what was spent, but not who approved it. That works until someone asks who signed off on a $2,400 vendor invoice — and the answer is a shrug and an email
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Weekly Income & Expense Tracker | Free Excel & Google Sheets Template [2026]
Monthly reporting has one structural flaw: by the time you see the number, the decisions it should have informed are already made. If marketing overspent in week two, a month-end summary tells you in…
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Daily Cash Journal | Free Excel & Google Sheets Template [2026]
Most freelancers can tell you roughly what’s in their checking account. Very few can say what moved through it yesterday, or why. That gap is where cash flow surprises come from: a deposit you forgot…
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Annual Budget Planner | Free Excel & Google Sheets Template [2026]
Budgeting one month at a time hides the patterns that matter. A month where marketing ran 40% over plan looks like a mistake. Four months of the same overage is a trend — and a trend means a budget…
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Monthly Expense Report | Free Excel & Google Sheets Template [2026]
An expense report is only worth keeping if it answers two questions at tax time: how much did I spend, and how much is deductible? Most people who track expenses in a spreadsheet discover in April…
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Modelo 130: cómo calcular el pago fraccionado de IRPF (autónomos 2026)
Modelo 130: cómo calcular el pago fraccionado de IRPF (autónomos 2026) Cada trimestre, la misma escena: cierras el trimestre, miras la cifra que toca ingresar y no sabes de dónde sale. ¿Por qué pagas más si has facturado lo mismo? ¿Por qué un trimestre malo no te devuelve nada? ¿Por qué el importe no es…
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Gastos deducibles para autónomos 2026: lista completa y cómo deducirlos
Por qué estás pagando más de lo que te toca Cada trimestre llega la misma escena: abres el Modelo 130 o el Modelo 303, miras la cifra y tienes la sensación de que estás pagando impuestos sobre dinero que en realidad nunca fue tuyo. La causa casi nunca es Hacienda. La causa es que una…