Freelancer Finance Tracker
Invoices, partial payments, AR aging, quarterly tax set-aside and a Schedule C summary.
The money side of freelancing in one workbook: who owes you, what you earned, what you spent, and how much to set aside for taxes.
- Invoices: due dates from your terms, balance, and status (Open / Partial / Overdue / Paid). Shows days overdue and aging bucket automatically.
- Payments: partial payments welcome. Unknown invoice numbers are flagged.
- Expenses: each category maps to a Schedule C line. A business-use % handles mixed items like your phone or meals.
- Monthly summary (cash basis) and a quarterly set-aside plan using the IRS estimated-tax periods and due dates.
- AR aging by client: Current, 1–30, 31–60, 61–90 and 90+ days.
- Dashboard and a Schedule C summary for your preparer.
- Ready for automatic payment reminders with the Invoice Chaser for n8n (sold separately).
Works in Excel 2010+, Google Sheets and LibreOffice. No macros.
Tested against an independent calculation. Zero formula errors.
It uses YOUR set-aside percentage and does not calculate tax. Not tax advice.
Built with AI assistance and tested by running it end to end (details in the guide).
Refunds: 30-day refund if it doesn't work as described (refund policy).
Learn the method (free)
- How to Build an Accounts Receivable Aging Report in Excel or Google Sheets
Days overdue, aging buckets (Current, 1-30, 31-60, 61-90, 90+) and a per-client aging summary, using three formulas.
- Freelancer Taxes: A Simple Set-Aside Method and the 2026 Quarterly Due Dates
How much to move to a tax savings account each month, how the IRS estimated-tax periods really work (they are not calendar quarters), and a spreadsheet to track it.
Related free tools
- Bank CSV Categorizer for Schedule E and Schedule C
Turn a bank or card CSV into categorized rows for landlord (Schedule E) or freelancer (Schedule C) spreadsheets. Runs in your browser; nothing is uploaded.
- Free IRS Mileage Deduction Calculator (2026)
Business, medical and charity standard mileage rates for 2026, including the mid-year business rate change (72.5¢ → 76¢ on July 1). Trip or full-year mode. Runs in your browser.
Save with a bundle
- Freelancer Money Bundle
2 products for $22 instead of $27 (save $5).
- Complete Bundle (all 6 core products)
6 products for $69 instead of $109 (save $40).
Checkout, delivery, receipts and sales tax are handled by Gumroad. Questions after purchase: reply to your Gumroad receipt email. Not tax, legal or financial advice.