Free finance templates
Ready-to-use Excel and Google Sheets templates for the numbers that run a business — free to download, yours to keep.
Cash flow13-Week Rolling Cash Flow Forecast Template
Plan week-by-week inflows, outflows and your cash position across a quarter.
Cash flow12-Month Cash Flow Forecast Template
Track monthly inflows, outflows and a running cash balance for a full year.
ProfitabilityMonthly P&L / Income Statement Template
Track revenue, COGS, operating expenses and net profit month by month.
BudgetingBudget vs Actual (Variance) Template
Compare planned vs actual revenue and expenses and calculate variances fast.
ReceivablesAccounts Receivable (AR) Aging Template
Group outstanding customer invoices by age and spot slow-paying accounts early.
PayablesAccounts Payable (AP) Aging / Payment Schedule Template
Track what you owe, due dates and upcoming payments by vendor.
PlanningBreak-Even Calculator Sheet
Enter fixed costs, price and variable cost to find your break-even point.
RunwayStartup Runway & Burn Rate Template
Track monthly cash burn and see how many months of runway you have left.
Working capitalWorking Capital Calculator
Net working capital, the ratio behind it, and how much cash a shorter cycle would release.
LiquidityCurrent Ratio & Liquidity Ratios Calculator
Current ratio, quick ratio and cash ratio from a single set of balance sheet inputs.
ProfitabilityEBITDA Calculator
EBITDA calculated two ways, adjusted for one-off costs, with valuation multiples applied.
Unit economicsUnit Economics Calculator (LTV / CAC)
CAC, customer lifetime value, the LTV:CAC ratio and payback period in one sheet.
Working capitalDSO, DPO & Cash Conversion Cycle Calculator
Days sales outstanding, days payable, days inventory — and the cash your cycle locks up.
ReportingBalance Sheet Template
Assets, liabilities and equity across two periods, with a built-in balance check.
PayrollTrue Cost of an Employee Calculator
What a hire really costs per year and per billable hour, once taxes, benefits and leave are counted.
InventoryInventory Turnover & Reorder Point Calculator
Turnover, days of stock and the cash it ties up, plus the reorder point and order size per SKU.
DebtLoan Amortization Schedule
The monthly instalment, a full payment schedule, and what an overpayment saves in interest and months.
AssetsDepreciation Schedule & Fixed Asset Register
Every asset, what it is worth today, and the replacement bill already on your books.
PricingMargin vs Markup Pricing Calculator
Landed cost, the margin-markup conversion, and what a discount really demands in volume.
ProfitabilityCustomer Profitability Analysis Template
What each client leaves after the cost of serving them — orders, deliveries, support and credit.
SubscriptionsMRR Movement Tracker
New, expansion, contraction and churn month by month — and the ceiling they add up to.
AssetsLease vs Buy Calculator
Cash, loan or lease over the same horizon, compared in today's money rather than totals.
Cash flowRevenue Allocation & Tax Set-Aside
Split every payment on the day it lands, so the tax money is still there when the bill is.
PlanningPayback Period & ROI Calculator
When an investment pays itself back, what it returns, and what a shortfall does to both.
Unit economicsMarketing ROI & CAC by Channel
Spend, leads, customers and gross profit per channel — and which ones quietly lose money.
ProfitabilityRecipe & Food Cost Calculator
Portion cost including trimming and waste, the price it implies, and the menu that follows.
Cash flowPayment Calendar Template
Schedule every receipt and payment by date and watch the running balance day by day.
Job costingConstruction Job Costing Template
Budget, committed and actual cost per cost code, with the margin left on each job.
ProfitabilityRestaurant P&L Template
Monthly P&L for a venue, with food cost, labour and prime cost as a share of sales.
ReconciliationBank Reconciliation Template
Match your books to the bank statement and account for every difference line by line.
ReportingCash Flow Statement Template
Bridge net profit to actual cash across operating, investing and financing activities.
BudgetingZero-Based Budgeting Template
Build the budget from zero — every line justified by what it buys, not by last year.
ReceivablesInvoice Tracker Template
Every invoice issued, due, part-paid or overdue, with days late and who to chase first.
ProfitabilityProject Profitability Tracker Template
Profit per project and per hour, so fee size stops standing in for profitability.
CapacityBillable Utilisation & Capacity Planner Template
How many of the hours you pay for reach a client invoice — and what the rest cost.
DebtDebt Service Coverage Ratio (DSCR) Calculator Template
Whether the business can service a new loan, calculated the way a bank calculates it.
ProfitabilityRetail Margin Tracker Template
Margin per product and per category after landed cost, discounts and returns.