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This is a six-tab Google Sheets dashboard with five calculators and a Start Here tab.
The Expense Breakdown Tracker is where you see the full picture of where your money is going. Enter your monthly revenue and your actual spending across ten categories — software, contractors, marketing, education, legal, insurance, office, merchant fees, and miscellaneous. The calculator shows each category as a percentage of revenue alongside an industry benchmark range, with a status flag that tells you where you're within a healthy range and where something's worth reviewing. The Quick Profit View at the bottom gives you gross profit, net profit, and profit margin in one place.
The Profit Margin Calculator shows you the number that actually matters: what you're keeping. Not gross profit — true net take-home after self-employment tax and income tax. It also gives you the "revenue needed to pay yourself $1 more" output, which is the calculation that changes how most service providers think about rate increases versus expense reduction. For many business structures, generating one additional dollar of take-home requires significantly more than one dollar of revenue.
The Break-Even Calculator tells you the minimum revenue your business needs to generate before you're making money. Enter your fixed costs by category and your variable cost percentage, and the calculator gives you monthly break-even revenue, annual break-even, and daily break-even. The break-even by offer table lets you model up to five offers — the calculator tells you exactly how many of each you'd need to sell monthly to cover your costs. This is the number to know before you open enrollment or launch something new.
The True Cost Per Hour calculator is the one most service providers find most clarifying — and most uncomfortable the first time. It shows what it costs your business to operate for one hour, then builds out your profit per hour, take-home per hour, minimum break-even rate, and your rate to 2x profit. The scenario table models six expense levels across three hour loads so you can see clearly: reducing non-billable time has the same effect on your real hourly rate as raising your prices. Sometimes more.
The Tax Reserve Calculator takes the stress out of quarterly estimated taxes. Enter your estimated annual revenue and your tax rates, and the calculator builds your full reserve picture — SE tax, federal income tax, state income tax, a 5% buffer — and gives you the exact monthly amount to set aside. The monthly tracker lets you log your actual revenue each month and confirm the reserve. No more quarterly tax surprises.
The PDF companion guide covers every calculator — when to use it, what to look for, how to interpret what you find, and what to do next.
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- You know your revenue but you don't really know your profit — and you want the full picture of what you're actually keeping after taxes
- You've been setting your rates based on what feels right and what the market seems to charge, but you've never actually calculated your break-even rate or true cost per hour
- Quarterly estimated taxes feel like a guessing game every time, and you want a system for setting aside the right amount monthly so it's never a surprise
- You're making decisions about spending, hiring, and pricing without the financial clarity to know whether the numbers actually work
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Google Sheets (digital download)
Make a copy to your Google Drive and customize and edit it anytime
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This is a digital download. No physical product will be shipped.
Due to the nature of digital downloads, all sales are final.
Please note: These digital products are for your personal business planning use only. They are not templates meant to be copied, repackaged, or used to create your own products. Your purchase does not include resale, sharing, or redistribution rights.
