Finance spreadsheets for small business
Answers to the money questions you ask every week.
Will payroll clear? Which job is losing money? Who needs a 1099? Five spreadsheet templates for Microsoft Excel & Google Sheets, built by a CFO with 20+ years of experience. Sold on Etsy, instant download.
- No macros, no add-ins
- Real formulas you can read
- 14-day file guarantee
The templates
Five workbooks. One job each.
Each is a single .xlsx file (the Contractor pack has two) with a Start here tab, fictional sample data you can clear, and a Checks tab.
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Contractor pack · 2 workbooks
Contractor Job Costing & WIP + 13-Week Cash Flow
See which jobs make money, which are over- or under-billed, and the week your bank balance gets tight. Two workbooks.
$39Details · Buy on Etsy -
For the self-employed · 1 workbook
Schedule C Expense Tracker
Income, expenses, mileage and quarterly estimates in one file, totalled by Schedule C line for year end.
$24Details · Buy on Etsy -
For remodelers & contractors · 1 workbook
Schedule of Values & Draw Request
Schedule of values, one-page draw request, change order log and retainage, all tied together for each billing period.
$34Details · Buy on Etsy -
For anyone who pays contractors · 1 workbook
1099 & W-9 Tracker
Every payee and payment in one file: who needs a 1099-NEC or 1099-MISC for 2026, and whose W-9 is still missing.
$19Details · Buy on Etsy -
For small business owners · 1 workbook
13-Week Cash Flow Forecast
Your closing cash for each of the next 13 weeks, with a WATCH alert for the first week below your buffer.
$19Details · Buy on Etsy
Which one do I need?
Start from your question.
Will payroll clear in week 7?
13-Week Cash Flow Forecast →Which of my jobs are actually making money?
Contractor Job Costing & WIP + 13-Week Cash Flow →How much do I bill on this draw, after retainage?
Schedule of Values & Draw Request →Which contractors need a 1099 this January?
1099 & W-9 Tracker →What goes on which Schedule C line?
Schedule C Expense Tracker →
How every template is built
Plain, checkable, honest about its limits.
Formulas you can read
Standard worksheet functions only. No macros, add-ins, external links or passwords.
A Checks tab that says OK or ERROR
Live tie-outs catch a typed-over formula or text in a number cell.
Rules are inputs, with sources
Tax thresholds, rates and due dates sit on a Settings tab with their irs.gov link, so you can see and update them.
Tested where we can say so
Every file is recalculated in LibreOffice and compared with a separate calculation; most also in Google Sheets. Each page states exactly what was and was not checked.
It calculates from the figures you enter and does not know your full tax position or legal obligations. It is not IRS-reviewed and does not file anything. Check your inputs and talk to a qualified accountant or tax professional before making tax, financing or legal decisions.
Updates
Hear when we add a template.
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Questions about a file: support@uynos.com. Real replies within 2 business days.