Track every invoice. Manage every expense. Know your tax position. Plan your cash flow. The Freelancer Financial Planner puts your entire financial life in one intelligent Excel file.
Most freelancers have three problems running at once: they don't know what they're actually earning, they don't know what they're spending, and they have no idea what they'll owe at tax time.
The Freelancer Financial Planner solves all three — in one Excel file that connects every piece of your financial picture automatically. Change a number anywhere and the whole system updates.
No accounting background needed. No formulas to write. Just open it, select your country and service type, and start entering your numbers in the blue cells. Everything else is handled.
Track every payment, invoice, and retainer. Know what's paid, pending, and overdue.
Log every deductible cost. Never miss a business expense at tax time again.
Income tax, SE tax, NIS/SS — calculated automatically from official rates.
Real-time net profit, margins, and monthly averages across the full year.
Track 50 clients — billed vs received — so you always know who owes you money.
Every quarterly filing deadline, auto-set by country. Never pay a penalty again.
Invoices out, payments in, expenses everywhere — but no clear picture of real net profit. You're busy, but are you building anything?
When you work for yourself, nobody withholds a cent. Tax builds up silently and hits you all at once — often with penalties on top.
Some of what's in your bank account belongs to the IRS. Spending it feels fine — until quarter end. Then it's a crisis.
Every tab is connected. Enter an invoice on the Income Ledger and it flows automatically to the monthly tab, the Year-to-Date dashboard, the Year-End Summary, and your tax calculation. One entry, everywhere updated.
Log every payment and invoice. 1,000-row capacity. Client dropdown auto-fills from your Client Register. Tracks paid, pending, overdue, and partial payments.
Income trackingLog every business cost. Mark deductibility, receipt status, and supplier. 1,000-row capacity. Every deductible expense reduces your taxable profit.
Expense managementOne tab per month. Auto-pulled from your ledgers via SUMIF — no double entry. Each shows income, expenses, net profit, and your tax set-aside for that month.
Monthly planningRunning 12-month totals: income, expenses, net profit, estimated taxes, NIS/SS, gross margin, effective tax rate, and monthly average income. Your financial pulse.
Financial overviewFull annual tax return prep: gross income, deductible expenses, personal allowance, chargeable income, full tax computation. Hand it directly to your accountant.
Tax return prepEvery quarterly and annual filing deadline, automatically set from your country selection. Q1–Q4 payment dates, annual return deadline, NIS reconciliation dates.
Deadline tracking50-client tracker. Billed vs received, outstanding balance, project status. Client names auto-populate as dropdowns in your Income Ledger — no retyping.
Client managementComplete annual task tracker covering monthly data entry, quarterly tax compliance, and year-end filing. Mark off tasks as you go — all year long.
Task managementNo setup calls. No onboarding. Open the file and follow these four steps — then the system runs itself for the rest of the year.
The Settings tab configures the entire planner for your situation. Select your country and every tax rate, personal allowance, NIS/SS rate, VAT threshold, and quarterly deadline loads automatically from verified official data. Select your service type and income and expense categories are tailored to your work.
Takes 60 secondsAdd each client's name, service type, project name, and billed amount. Their names automatically become available as a dropdown in your Income Ledger — so you only type client names once. The register also tracks what's been received vs what's outstanding so you always know who owes you money.
Do this before logging incomeEvery payment received goes on the Income Ledger. Every business cost goes on the Expense Ledger. Both feed your monthly tabs, Year-to-Date dashboard, and Year-End Summary automatically — no double entry, ever. Set the status on each income entry: Paid, Pending, Overdue, or Partial.
Your only recurring taskOnce a month, review the Year-to-Date tab — it shows your real financial position in real time. Before each quarterly deadline (dates shown in the Compliance Calendar), check the cumulative tax figure and pay it. At year-end, the Year-End Summary has everything your accountant needs in one printable sheet.
Financial clarity, all yearSelect your country in Settings — every tax rate, personal allowance, NIS/SS contribution, VAT threshold, and quarterly deadline updates automatically. All sourced from official government publications, verified for 2026.
⚡ All rates sourced from IRS Rev. Proc. 2025-32, BIR, TAJ, BRA, GRA, NIB and equivalents — verified for the 2026 tax year. Rates change annually; always confirm with your territory's revenue authority before filing.
The financial data in this planner is not estimated. Tax rates, personal allowances, NIS/SS ceilings, VAT thresholds — every figure is sourced directly from official government publications for each country and verified for 2026.
Bella~Forde LLC is a US-registered company. Your payment is processed securely through Stripe. Your file is a local Excel document — nothing is uploaded, synced, or shared. Your financial data never leaves your device.
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IRS, BIR, TAJ, BRA, GRA, NIB and equivalents. Every rate cited. Updated annually.
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A local Excel file. Nothing uploaded. Nothing shared. Completely private.
Your file arrives immediately after payment. No waiting, no account creation required.
Income tracking, expense management, cash flow visibility, tax calculation, client management, and year-end filing prep — one file, one payment, yours forever.
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