One spreadsheet that shows your real freelance effective hourly rate, tells you exactly how much to set aside for 1099 taxes, and catches every freelancer tax deduction for 2026. Tracks each invoice, client, and recurring subscription in one file. Pay $29 once. No login, no monthly fee, your data stays on your computer.
You pay once, you download the file, and it is yours for life. Customize anything, add your own columns, build the view you want. Your numbers stay on your computer, not on their server.
Built for the real money of your work: the numbers that decide if you made a profit, and the deductions most people leave on the table.
Enter your bill rate and the unpaid hours you sink into proposals, admin, and chasing payments. The Time Log tab divides total income by total hours to reveal your real freelance effective hourly rate, the number most freelancers never calculate and the one that explains where the money went.
Stop guessing how much to set aside for 1099 taxes. As you log each payment, the sheet banks the right 25 to 30 percent and tracks all four 1040-ES deadlines (April 15, June 15, September 15, January 15), so a $4,000 surprise in April never happens again.
Pre-built categories for every freelancer tax deduction in 2026: software and home office mapped to Schedule C, health insurance and SEP-IRA mapped as Schedule 1 adjustments. Each missed deduction is real money you hand the IRS for no reason.
Log every invoice with sent date, due date, and status. Overdue invoices flag themselves on the Dashboard, so you see exactly who owes you and stop financing slow-paying clients for free.
Ranks every client by revenue, hours, and the effective rate they actually pay you. See in one glance which logos are worth keeping and which one is quietly paying you $38 an hour while you tell yourself it is $90.
Rolls up income, deductions, self-employment tax, QBI, and your four estimated payments into one view that lines up with your return. Hand it to your accountant or type it straight into your filing software in minutes, not days.
At-a-glance view of effective hourly rate, money owed to you, tax owed, and clients ranked by profit
Every invoice with status so you always know who owes you and how overdue they are
One row per client with lifetime revenue, hours, and the effective rate they actually pay you
Track billable and non-billable hours to expose the gap between your bill rate and your real rate
Every business cost mapped to its Schedule C line for a clean tax season
Track every recurring SaaS tool, its renewal date, and annual deductible cost so nothing auto-renews unnoticed
Calculate the home office deduction both ways and keep whichever wins
Enter your net profit and it shows your self-employment tax, total estimated tax, and what to pay each quarter.
Roll up income, deductions, SE tax, QBI, and the four estimated payments into one filing-ready view
No. It is a one-time $29 purchase. You download it, it is yours forever, and there is no monthly fee, no login, and no account to cancel. Most freelance bookkeeping apps charge $15 to $30 every single month, which is $180 to $360 a year that never stops. This is $29 once, and your data lives in your file, not on their server.
You enter your bill rate and your unpaid hours (proposals, admin, invoicing, client calls). The Time Log tab divides total income by total hours worked to show your real take-home rate per hour. Most freelancers are shocked it lands 40 to 50 percent below their headline rate, which is exactly why a $100 bill rate can leave you near $53 before income tax.
Yes, and it is the whole point. As you log income, the sheet calculates a 25 to 30 percent set-aside and tracks the four 1040-ES deadlines for 2026 (April 15, June 15, September 15, January 15), so you bank the money as you earn it and never scramble the week before a payment is due.
The Expenses tab has pre-built categories for software, home office, health insurance, and SEP-IRA, each mapped to the correct line: software and home office on Schedule C, health insurance and SEP-IRA as Schedule 1 adjustments. The Home Office tab calculates the deduction both ways and keeps whichever saves you more, so you never leave money on the table.
It is not hard. Every tab has sample data and a short how-to note. You type into the white cells, the formulas do the math, and the Tax Summary and Schedule C mapping are built for you. You get both Excel and Google Sheets versions, so you can work offline in Excel or Numbers, or copy it into Google Sheets and reach it from anywhere. If you can fill in a row, you can run it.
Free, no-fluff guides written for your trade. No email wall, no upsell.
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