BUNDLE · 4 TOOLS
Freelance Finance OS
IN ONE PARAGRAPHThe Freelance Finance OS is a $5 bundle of four freelancer money spreadsheets: an invoice tracker, an expense and tax-buffer tracker, a rate calculator and a quarterly tax estimator. Every formula in the Freelance Finance OS is machine-tested against its standard definition before release.
You didn't go freelance to do bookkeeping. But every freelancer knows the 2 AM questions: Did that client ever pay me? How much should I keep for taxes? Am I even charging enough? And what do I actually send in each quarter?
From the listing
- Log invoices in seconds with client and status dropdowns (Draft / Sent / Paid / Cancelled)
- Overdue invoices flag themselves automatically — in red
- Dashboard: total invoiced, total collected, awaiting payment, overdue count and amount, month-by-month breakdown
- Per-client totals: invoiced, paid, outstanding — see instantly who owes you
- Log expenses with category dropdowns; budgets per category
- Enter your monthly income once — the dashboard computes profit, how much to move to your tax buffer account, and what's actually safe to keep
- Set your own tax set-aside rate (25% default) — a saving discipline that prevents the April panic
- Work backwards from the take-home income you want to the minimum hourly / day / week rate you must charge
- Reality-check table: how your required rate changes with your billable share (most freelancers overestimate it)
- Quick project pricer: hours estimate + scope-creep buffer = minimum quote
- Enter monthly income and deductible expenses, set your own estimated tax rate
- See the estimated payment per deadline, what you already paid, and what remains
- US 1040-ES payment periods prefilled correctly (they are uneven: Jan–Mar, Apr–May, Jun–Aug, Sep–Dec) — fully editable if you're elsewhere
- A "Start Here" sheet — set up in under 10 minutes
- A clear legend: yellow cells are yours, everything else calculates itself
- Realistic example rows showing exactly what to type
- A Quick-Start PDF guide for the whole bundle
THE EXPENSE & TAX BUFFER TRACKER
THE FREELANCE RATE CALCULATOR
THE QUARTERLY TAX ESTIMATOR
EVERY FILE INCLUDES
WHO IT'S FOR — freelancers, consultants, and solo creators who want clarity without QuickBooks-level complexity.
FORMAT — 4 x .xlsx (works in Excel 2010+, Google Sheets, LibreOffice) + 1 x PDF guide. Digital download, yours forever, free updates.
Note: the tax buffer and the estimator are planning tools, not tax advice — confirm your rates with your accountant.
Verification
Every metric uses the standard industry definition and the formulas are machine-tested for arithmetic correctness before release. The spreadsheet ships with a worked example and a plain-English “Start Here” sheet.
