Freelancer income, expense & tax tracker · Excel + Google Sheets
The Freelancer Money Operating System
Income, expenses, invoices, cash flow and tax set-aside — in one file for Excel and Google Sheets. Type into two logs; a live dashboard shows your profit, your runway, who owes you, and how much to keep aside for tax.
- 8 tabs
- Excel + Google Sheets
- Automatic tax set-aside
- One-time · no subscription
- 60-day guarantee
Illustration of the spreadsheet layout — you type into these tabs inside the Excel / Google Sheets file. Not a screenshot; no figure shown is a real or promised result.
Who it's for
For freelancers, contractors and the self-employed who invoice
Designers, developers, writers, consultants, coaches, agencies of one — anyone who gets paid by clients and has to work out their own profit and their own tax. If you have ever guessed how much to set aside, or found out too late that one client was half your income, SoloCFO is built for you.
What it actually is
One file. Eight tabs. Everything links.
You fill in two logs. Every other tab — dashboard, clients, cash flow, tax — updates itself. No setup marathon, no formulas to write.
The two tabs you touch
Income Log and Expense Log: one line per payment or cost, with dropdowns so entries stay tidy. Mark an invoice Paid or Unpaid — that single flag drives the whole file.
The six tabs that work for you
Dashboard, Clients, Cash Flow, Tax Reserve, plus Start Here and Settings. Profit, runway, accounts receivable, client concentration and tax set-aside — all calculated automatically.
In your download
Delivered as one download the moment payment goes through — on the confirmation page and in your email from Digistore24. Nothing ships.
What it does
See your whole money picture at a glance
Six things every freelancer needs to know, on one screen, always current.
Real profit, not just revenue
A live dashboard shows income, expenses and net profit — this month and year to date — so you know what you actually earned.
How much to set aside for tax
The Tax Reserve tab keeps a running set-aside from a percentage you choose, so a tax bill never ambushes you.
Who owes you
Unpaid invoices, totalled and aged (current, 30, 60, 90+ days), so nothing quietly slips past due.
Cash runway
Money in, money out and a running balance, month by month — with an estimate of how many months your cash covers.
Client concentration
See what share of your revenue each client is. When one client passes 40%, you'll see it before it becomes a risk.
It nudges you (optional)
The Google Sheets automation highlights overdue invoices and emails you a monthly snapshot. It never emails your clients.
Setup
Running in ten minutes
- Enter two settingsYour starting cash balance and the tax % you want to set aside. Once.
- Log income and expensesOne line each, with dropdowns. Mark invoices Paid or Unpaid.
- Read the DashboardProfit, runway, tax reserve and who owes you — all filled in for you.
A Quick-Start Guide (PDF) walks you through it, and there is nothing to install.
Why one file, not another app
You own it. It doesn't bill you every month.
Freelancer finance apps are typically $10–20 a month (checked July 2026; these are typical alternatives, not any one named product). SoloCFO is a one-time file you keep.
| SoloCFO | Typical monthly app | |
|---|---|---|
| Cost | $47 once | $10–20 every month |
| Your data | A file you own | On their servers |
| Works offline | Yes | Usually no |
| Excel & Google Sheets | Both | Their app only |
| Fully editable by you | Yes | Limited |
| Renewals to cancel | None | Ongoing |
Try it for a full 60 days
Buy it, set it up, run a couple of months of your real numbers through it. If it isn't right for you, request a refund through Digistore24 any time inside 60 days of purchase and you get your money back. No questions, no hoops.
Questions
Good to know before you buy
How do I track freelance income and expenses in Google Sheets?
You type each payment and cost onto the Income and Expense log tabs, using the built-in dropdowns. The Dashboard, Cash Flow, Clients and Tax tabs then update themselves. It works the same way in Excel.
How much should a freelancer set aside for taxes?
SoloCFO's Tax Reserve tab keeps a running set-aside from a percentage you choose, so you always have a number to work to. It is an organisational tool, not tax advice — confirm your own rate and what's deductible with a qualified professional.
Do I need Excel?
No. Both editions are in the download and Google Sheets is free. Use whichever you have.
Is this a subscription?
No. One payment, and it's yours. Nothing to renew, nothing to cancel.
Do I need accounting experience?
None. If you can type a number and pick from a dropdown, you can run SoloCFO. The Quick-Start Guide covers the rest.
What if it's not for me?
You have 60 days and you get your money back. Request a refund through Digistore24 — no questions, no hoops.
Get SoloCFO
Know your numbers this week
- One workbook — works in Excel and Google Sheets
- Dashboard, tax reserve, cash flow, clients & invoices
- Automation add-on + Quick-Start Guide + AI Prompt Pack
- Instant download · works worldwide
- 60-day money-back guarantee
The price above is the price at checkout. Secure checkout and instant delivery by Digistore24.
100% digital product — instant download, nothing ships.