Self-Employed Starter Pack — Budget, Tax & Bookkeeping Spreadsheets

Just went self-employed? These are the three spreadsheets to set up first — the money basics every freelancer and solopreneur needs, without paying for accounting software. It's the affordable starter step below our full Finance System and Vault: open a file, type in the coloured cells, and the dashboards do the maths.

WHAT'S INSIDE (3 workbooks)

- Freelancer Budget & Tax Lite — log income and expenses fast and the workbook sets aside your tax automatically, so the money you owe isn't money you spend. Tabs: Start Here, Dashboard, Income, Expenses, Settings.

- Quarterly Tax Estimator — turn your own numbers into an estimate of what to pay each quarter, so estimated taxes stop being a guess. Tabs: Start Here, Dashboard, Estimator, Settings.

- Small Business Bookkeeping — straightforward income and expense bookkeeping with a summary dashboard, so you always know where you stand. Tabs: Start Here, Dashboard, Income, Expenses, Settings.

Each workbook is independent and self-contained, with a Start Here tab that walks you through it, coloured input cells, automatic formulas and clean dashboards. Works identically in Excel 2016+, Google Sheets, LibreOffice Calc and Apple Numbers — no plugins, no macros, no subscription. A START-HERE.txt in the download explains how to open each file. Buy once, yours forever, with free updates.