A clearer way for a small business to see what sold, what it really cost, what profit remains and whether the price covers the assumptions behind the product.
Set the currency and a personal reserve percentage, then record each product or service honestly. General expenses stay separate so the monthly result is easier to understand.
It keeps product costs, labour, overhead, waste or refund allowance and target margin visible without mixing them into general business expenses. The tax reserve is a user-chosen planning buffer, not tax advice.
Not for sale yet. I built these planners hoping they might help fund future ideas. I take them as seriously as my software, and I won't put this one up for sale until I'm 100% happy with the workbook, the checks and the instructions. I'm still testing it.
The tax reserve is a planning buffer, not a calculation of legal tax liability.
9 customer-facing tabs explained from the working master, not a mock-up.
The setup-to-review route for the tracker.
Follow the intended order: SETTINGS, PRODUCTS & SALES, EXPENSES, HOME + MONTHLY REVIEW, then TAX & RESERVE. The page also shows which cells are editable versus calculated.
This is an instruction page rather than a calculation page.
The selected-month business position in one screen.
Review revenue, product-level costs, general expenses, operating profit, the chosen reserve, profit after reserve, products below minimum and the current status message.
The dashboard collects the selected review month's product/sales and expense information and applies the reserve percentage supplied by the user. It does not calculate a legal tax liability.
Country-neutral controls for the reporting month and tax-reserve assumption.
Enter country/tax jurisdiction, currency, review month, your own tax reserve percentage, owner/business name and any treatment note relevant to your situation.
The settings control the selected month and reserve shown throughout the workbook. No country tax rate is supplied by the workbook.
The core product/service economics table and Price for Profit calculation area.
Record product/service, units sold, sale price, direct cost per unit, platform fee percentage, fixed fee per sale, marketing per sale, optional manual overhead, sales date and labour minutes. The wider pricing section can also use shared overhead, target hourly pay, waste/refund allowance and target margin assumptions.
The sheet calculates revenue, total direct costs and fees, profit before shared expenses and margin. Price for Profit uses the entered cost, labour, overhead, waste/refund and margin assumptions to solve a planning minimum sustainable price.
General business expenses that are not already included as direct per-sale costs.
Record date, category, description, amount, tax treatment that still needs confirming, receipt/source and notes.
Expenses in the selected review month feed HOME and MONTHLY REVIEW as general expenses, keeping them separate from product-level costs.
A planning buffer page for setting aside money from operating profit.
Review operating profit and reserve percentage, enter how much has already been reserved, and confirm the jurisdiction shown from Settings.
The sheet calculates a suggested reserve transfer and reserve gap from the user's own percentage. It deliberately does not act as a tax return or country-specific tax calculation.
A twelve-month operating view for revenue, costs and profit movement.
Enter a real first day of month in column A for the months you want to review.
For each month, the workbook fills revenue, product costs, general expenses, operating profit, reserve and profit after reserve from the underlying sales and expense records.
Plain-English definitions for the Price for Profit model so users can see what each assumption means and where its boundary is.
Read the definitions for minimum sustainable price, labour allowance, shared overhead allocation, waste/refund allowance and target profit margin. The table shows what the user enters, what the workbook does and what the output does not claim.
This is explanatory rather than transactional. Its job is to make the pricing model auditable and prevent a planning price from being mistaken for a demand forecast or guaranteed profit.
Workbook integrity and build checks.
Most users should leave it alone unless a check fails. It points to the source area that needs fixing, such as an invalid reserve rate, impossible pricing denominator or negative expense.
It reports PASS when the core assumptions and user-facing safety boundaries remain valid.