Cash Flow & Tax Set-Aside Tracker — Excel Template for Contractors & Self-Employed

Never get surprised by a tax bill again. Know what's actually yours to spend.Built for independent contractors, trades, and self-employed small businesses. The #1 cash killer for the self-employed isn't slow months — it's spending money that was never yours because taxes weren't set aside. This tracker fixes that automatically.WHAT YOU GET (1 Excel file, works in Excel + Google Sheets):💵 Income & Expense Logs — 10-second entries: date, description, amount. Expenses get categories (materials, fuel, insurance, subs...) so you can see where money goes.📅 Monthly Cash Flow — builds itself: money in, money out, net profit, tax to set aside, and the number that matters most — what's safe to spend after the taxman's share is protected.🏦 Automatic Tax Set-Aside — set your rate once (25–30% is a common safe rate for self-employed). Every month shows exactly how much to move to your tax savings account.📊 Year Dashboard — YTD profit, cash position, total tax owed so far, your best month, and expense breakdown by category. Tax-time becomes a 5-minute conversation with your accountant instead of a shoebox of receipts.HOW IT WORKS:1. Instant download after purchase2. Enter your tax set-aside % and starting balance (5 minutes)3. Log money in and money out as it happens4. Check "safe to spend" before making big purchasesIncludes a Start Here tab with instructions and worked example data.Complete the set: our Job Costing Calculator prices the work, the Invoice Tracker gets you paid, and this keeps the money.FORMAT: .xlsx — Microsoft Excel 2010+, Google Sheets, LibreOffice, Numbers.INSTANT DIGITAL DOWNLOAD — no physical product will be shipped. Due to the digital nature of the product, all sales are final. For personal / single-business use. The set-aside % is a saving guideline, not tax advice.

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