Most bookkeeping templates give you a grid and wish you luck. This one tells you what your numbers mean.
The Complete Bookkeeping Spreadsheet System is a full business finance hub that opens in your web browser. No install. No login. No monthly fee. Your records stay on your own computer, and a one-click backup keeps them safe.
WHAT’S INSIDE
Live dashboard
Eight KPI cards (revenue, net profit, margin, fees, expenses, tax to set aside, cash in the bank, stock value) with mini trend lines. A 12-month revenue, cost and profit chart. Revenue by channel. Profit by product, with your top three in gold. A month-by-month scorecard with heat shading. Filter the whole thing by month or by sales channel.
Profit Health Score
A simple 0 to 100 check-up based on your margin, fee load, cash runway, receipts and tax set-aside. It shows exactly which area is pulling your score down, so you know what to fix first.
Sales Log
Pick the channel and product from drop-downs, type the quantity and price. Fees, product cost, true profit and margin work themselves out on every single order line.
Channels & Fees
Etsy, Shopify, Amazon Handmade, direct invoices and craft fairs are set up for you. Edit the rates or add your own. The Effective fee column turns red when a channel takes more than 12% of your sales.
Inventory
Unit costs, markup, start stock, restocks, units sold, stock on hand and stock value. Reorder alerts show up on the dashboard before you sell out.
Expenses
13 ready-made categories, a receipt tracker and a missing receipts count. Inventory purchases are handled the right way: counted in cash flow, kept out of profit.
Contractor Payments
Log every freelancer payment. The year summary flags anyone over your reporting threshold so you can collect their tax details in time.
Cash Flow
12 months of opening cash, money in, money out and closing cash, with owner draws and tax payments included. Spot the tight months before they arrive.
Profit Margins
Sortable tables by product and by channel, plus a full month-by-month breakdown. See which products pay the bills and which ones just keep you busy.
Pricing Lab (you won’t find this in other bookkeeping templates)
Slide the price, material cost, shipping and target margin. Instantly see fees, profit per order, the price you need to hit your target margin, and how many orders a month cover your fixed costs. Test a price rise before you touch a live listing.
Tax Prep Summary
An income statement grouped by category, a quarterly tax set-aside tracker, and a Before You File list covering missing receipts, contractors over the threshold and year-end stock value.
18 plain-English bookkeeping lessons
Profit vs cash, where fees hide, cost of goods sold, pricing, owner draws, refunds, sales tax and VAT basics, ads, stock counts and more. Short, friendly and tied to the sheets, so you can read one and go look at your own numbers.
Checklists, scripts and extras
A month-end close checklist, an 8-question monthly money review, a “why don’t my numbers match?” troubleshooting list, a tax-time checklist and a new-year reset. Plus a bookkeeping calendar, a worked example of one Etsy order from start to finish, a glossary, and six copy-and-paste email scripts for awkward money conversations like chasing late payments.
WHO IT’S FOR
Etsy and Shopify sellers, makers, print-on-demand shops, digital product creators, freelancers, designers and small service businesses. Anyone who has ever stared at their bank balance and wondered if the business is really making money.
WHY IT COSTS MORE THAN A BASIC TEMPLATE
Basic templates track what you spent. This system shows you true profit per order, fee costs by channel, cash flow a year ahead, a health score and a pricing simulator, and it teaches you how to read all of it. It comes loaded with a full year of realistic sample data from a pretend studio, so you can see everything working before you add a single number of your own.
WHAT YOU RECEIVE
1. The Business Finance Hub (HTML file). Opens in Chrome, Edge, Safari or Firefox on Windows or Mac.
2. A two-page READ ME guide (Word document).
GOOD TO KNOW
Works offline. Any currency, including USD, GBP, EUR, CAD, AUD and ZAR. Export any sheet to CSV for Excel or Google Sheets. Backup and restore with one click. This is a digital download, so nothing will be shipped. The tax summary is for planning only and is not tax advice.
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