Freelance Invoice and Expense Tracker: A Two-Tab Spreadsheet That Scales
A Google Sheets template for freelancers: an invoice log with automatic overdue flags, and an expense tab that rolls up by category and quarter for tax prep.
Ledger Sheets
Spreadsheet templates and formula breakdowns for budgets, invoices, and loan math — the mechanics, not financial advice.
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Building a Loan Amortization Schedule in Google Sheets
How to build a full month-by-month amortization schedule in Sheets using PMT, IPMT, and PPMT, plus a running balance that hits exactly zero at term end.
Building a Break-Even Calculator in Google Sheets: Contribution Margin and a What-If Table
How to build a break-even calculator in Google Sheets using contribution margin formulas, plus an ARRAYFORMULA sensitivity table for price and cost changes.
A Simple ROI Calculator in Google Sheets: NPV, IRR, and Payback Period
How to build a small ROI calculator in Google Sheets using NPV, IRR, XIRR, and a payback period formula, with the mechanics of each explained.
A 50/30/20 Budget Tracker in Google Sheets, Formula by Formula
How to build a self-updating 50/30/20 budget tracker in Google Sheets: category tagging, SUMIF rollups, and a progress bar that doesn't need manual updates.