Freelance Money Tracker — 12-Tab System: Rate Calculator, Client Profitability, Tax (Excel + Google Sheets)

Most freelancers undercharge because they've never done this maths. This spreadsheet does it for them.Type in your income goal, your working weeks, your billable hours — the Rate Calculator tells you the hourly and day rate you need to charge. Log your projects, and the Projects tab shows your real hourly rate per client, colour-coded: green if a client's paying above your floor, red if they're underpaying you.Around that core: a full money system — income log with invoice tracking (always know who owes you), categorised expenses, annual heatmap report, fill-and-send invoice template, mileage deductions, subscriptions tracker, and quarterly tax set-aside so the bill never surprises you.12 tabs. All formulas pre-built. Works in Excel, Google Sheets and LibreOffice. USD & GBP versions included, plus a PDF Quick-Start Guide. Instant download.Digital product — nothing ships. Tax figures are set-aside estimates, not tax advice.

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