Is this month actually profitable?
Revenue feels fine, but without a real profit and loss you cannot see which costs are quietly eating your margin.
2027 ready · works for any financial year
Run your business like you have a CFO.
Ledgerline is a premium finance workbook for small businesses. Log your sales and costs, and 14 connected tabs turn them into profit and loss, cash flow, budgets, invoices, tax estimates and 34 live charts. No subscription. No formulas to write.
- One-time payment
- Excel and Google Sheets
- No macros or add-ons
- 19 currencies
Ledgerline_CFO_Workbook.xlsx
B6=SUMIFS(Income!$H:$H, Income!$D:$D, $B7, Income!$B:$B, ">="&C$4)
CFO Dashboard
Juniper & Oak Studio · 2026
Revenue
$314,008
95% of goal
Net profit
$101,204
32.2% margin
Cash
$129,704
In the bank
Unpaid
$22,850
$14,300 overdue
Revenue vs expenses
RevenueExpenses
Income mix
Income$314k
- Client Projects
- Monthly Retainers
- Shop: Physical Products
- Digital Downloads
- Workshops & Courses
- Connected tabs
- 14
- Live native charts
- 34
- Working formulas
- 3,500+
- Currencies to choose
- 19
- Macros or add-ons
- 0
The problem
Your bank balance is not a business plan.
Most owners only see their real numbers at tax time, when it is too late to change them. Ledgerline puts the answers in front of you every single day.
Who still owes you money?
Unpaid invoices slip by until cash gets tight. By the time you notice, the client has forgotten too.
How much should you keep for tax?
Guessing means a shock bill in April, or money sitting idle that could have been working for you.
Ledgerline answers all three in under ten seconds. Open the Dashboard and the numbers are already there.
What's inside
14 tabs. One connected system.
Gold tabs are where you type. Green tabs fill themselves in from what you log. Click any tab to open it in the live demo.
You fill inAutomaticGuide
- Start HereA ten minute setup guide, a map of how every tab connects, and tips for Excel and Google Sheets.Guide
- SettingsBusiness name, financial year, opening cash, revenue goal, tax rate and your own category lists.You fill in
- DashboardEight headline numbers and nine live charts that answer how the business is really doing.Automatic9 charts
- Monthly ReportPick any month from a dropdown and see it next to the month before, category by category.Automatic3 charts
- IncomeOne row per payment received. Dropdowns for clients, categories and payment methods.You fill in
- ExpensesOne row per cost, with a tax deductible flag the Tax Planner picks up automatically.You fill in
- InvoicesWhat clients owe you, with automatic status, days overdue, aging buckets and alerts.You fill in2 charts
- Profit & LossMonth by month income and spending by category, net profit, margin and a profit waterfall.Automatic4 charts
- Cash FlowOpening and closing bank balance for every month, runway and your cash reserve status.Automatic4 charts
- BudgetMonthly budgets by category against what you actually spent, with progress bars and warnings.You fill in2 charts
- Tax PlannerQuarterly tax estimates, payments, due dates, deductible spending and a monthly set-aside.Automatic2 charts
- ClientsClient directory with revenue, share, open invoices, ranking and revenue concentration.You fill in2 charts
- ProductsMargins, markups, stock alerts, a pricing calculator and break-even units for anything you sell.You fill in3 charts
- GoalsMonthly targets against actual income, a running total against your goal and key numbers.Automatic3 charts
Charts, pies and diagrams
34 charts that draw themselves.
Every chart below is built from one year of sample data, exactly as it appears in the workbook. Hover any bar or slice for the numbers. In Excel and Google Sheets they are native charts that update the moment you log a row.
Revenue vs expenses by month
Dashboard tab
- Revenue
- Expenses
Where your money goes
Dashboard tab
Spent$213k
- Payroll & Wages54%
- Rent & Utilities11%
- Contractors & Freelancers10%
- Cost of Goods6%
- Marketing & Advertising5%
- Payment Processing Fees3%
- Equipment & Hardware2%
- Other9%
Where every dollar of income went
Profit & Loss tab
Running total vs annual goal
Goals tab
- Running actual
- Running target
Unpaid invoices by age
Invoices tab
How concentrated is your revenue?
Clients tab
- Online Shop15%
- Brightline Dental14%
- Kestrel Analytics10%
- Marlow & Finch Law8%
- Tidewater Realty7%
- Everyone else45%
Top 5 clients
Clients tab
- Online Shop$45,540
- Brightline Dental$44,500
- Kestrel Analytics$32,600
- Marlow & Finch Law$25,500
- Tidewater Realty$23,400
How it works
Type it once. Everything updates.
Every number in Ledgerline traces back to a row you logged. Nothing to copy between tabs, nothing to refresh, nothing to break.
- 1Gold tabs
You log it
- Income
- Expenses
- Invoices
- Budget
- Settings
- 23,500+ formulas
It calculates
- Profit & Loss
- Cash Flow
- Tax Planner
- Client ranking
- Goals
- 3Insights
You decide
- Dashboard
- Monthly Report
- Overdue alerts
- Budget warnings
- Tax set-aside
Set up in 10 minutes
Business name, financial year, opening balance and your categories. That is it.
Log in 30 seconds
One row per payment with dropdowns for categories, clients and methods.
Know in 10 seconds
Open the Dashboard. Profit, cash, tax and overdue invoices are already worked out.
Built to last
A spreadsheet that never breaks.
Cheap templates fall apart the first time you insert a row. Ledgerline was engineered like software, then delivered as a file you own.
Add unlimited rows
Every report reads whole columns, so a new row at the bottom is counted instantly. Nothing to extend, nothing to break.
Dropdowns everywhere
Categories, clients and payment methods come from your own lists, so reports always add up.
19 currencies
Pick your currency when you download and every number, axis and label is formatted for it.
Any financial year
January, April or July start. Change one cell on Settings and all twelve months shift with it.
Alerts that colour themselves
Overdue invoices, over-budget categories, low stock and missed targets light up automatically.
Excel and Google Sheets
Built from native formulas and charts that work in Excel for Windows, Mac and the web, and in Google Sheets.
No macros, no add-ons
Nothing to install and no code warnings. Your data never leaves your own file.
Sample and blank versions
Learn on a full year of realistic sample data, then download the clean version and start fresh.
Monthly Report
Pick a month. Get the whole story.
One dropdown turns the Monthly Report into a full review: income, spending and profit for that month, each one compared with the month before, category by category.
Nov 2026
- Income
- $28,353
- -11.8%vs month before
- Expenses
- $18,030
- -25.7%vs month before
- Net profit
- $10,323
- 36.4% margin
Biggest costs this month
- Payroll & Wages$10,600
- Rent & Utilities$2,025
- Marketing & Advertising$1,661
- Cost of Goods$1,245
- Payment Processing Fees$771
Who it is for
Made for owners who would rather build than bookkeep.
Pre-filled with categories that fit most small businesses. Rename them in seconds to match yours.
Freelancers and consultants
Invoices, retainers and quarterly tax, finally in one place.
Studios and agencies
See which clients and projects actually make you money.
Online and Etsy sellers
Product margins, fees, stock alerts and shop payouts.
Coaches and course creators
Track launches, workshops and recurring income streams.
Local service businesses
Trades, salons, studios and clinics with simple monthly books.
Side businesses
Know your profit and tax from your very first sale.
Compare
The power of finance software. The freedom of a spreadsheet.
Accounting apps charge every month and lock your data in. Basic templates are cheap until they break. Ledgerline sits in the sweet spot.
| What you get | Ledgerline | Basic templates | Accounting apps | A blank spreadsheet |
|---|---|---|---|---|
| Price | $100 once | Low, once | Monthly fee | Free, plus your hours |
| Live dashboard with 30+ charts | Yes | Sometimes | Yes | No |
| Invoices with aging and overdue alerts | Yes | Sometimes | Yes | No |
| Quarterly tax set-aside planner | Yes | No | Sometimes | No |
| Budget vs actual with warnings | Yes | Sometimes | Sometimes | No |
| Add rows without breaking formulas | Yes | Sometimes | Yes | No |
| Your data stays in your own file | Yes | Yes | No | Yes |
| Ready to use in about 10 minutes | Yes | Yes | Sometimes | No |
Pricing
One price. Yours to keep.
No subscription, no seats, no renewal. Pay once and run your numbers for as many years as you like.
Ledgerline CFO Workbook
$100one-time
Less than a few months of a typical accounting subscription, and it is yours for good.
Already bought it?Download your workbook
Everything included
- The complete 14-tab workbook (.xlsx)
- 34 native charts and 3,500+ formulas
- Works in Excel for Windows, Mac and the web, and Google Sheets
- Sample version with a full year of data, plus a blank version
- Formatted in your choice of 19 currencies
- Any financial year: 2026, 2027 and every year after
- Start Here guide with a 10 minute setup
- Use it for your own business, year after year
FAQ
Questions, answered.
Everything you need to know before you buy.
Does it work in Google Sheets?
Yes. Open Google Sheets, choose File, Import, Upload, and pick the Ledgerline file. Formulas, dropdowns and conditional colours carry over, and the charts import as native Google Sheets charts. A few chart styling details can look slightly different from Excel.
Which versions of Excel are supported?
Excel for Microsoft 365, Excel 2016 and newer on Windows and Mac, and Excel for the web. If Excel opens the file in Protected View, click Enable Editing so every formula and chart can refresh.
Do I need spreadsheet skills?
No. You only type into gold cells and pick from dropdowns. The Start Here tab walks you through a ten minute setup, and every report is already built.
Can I change the categories?
Yes. Rename up to 8 income categories, 15 expense categories and 8 payment methods on the Settings tab. Every dropdown, report and chart updates to match.
Does it handle taxes for my country?
The Tax Planner works with any tax rate and any due dates, so it fits most countries. It gives planning estimates rather than tax advice, so confirm your exact rate and deadlines with a tax professional.
What about a new year?
Keep this year as your archive, make a copy of the file, clear the logs and change the start year on Settings. Your categories, budgets and layout carry straight over.
Which currencies are available?
Choose from 19 currencies when you download, including US, Canadian, Australian and New Zealand dollars, euros, pounds, rupees, dirhams, rand and more. Every number, axis and label is formatted to match.
Is my financial data private?
Completely. Ledgerline is a file on your own computer or in your own Google Drive. There is no account, no cloud sync and nothing sent anywhere.
Can I add more rows?
As many as you like. The reports read whole columns, so a new row on Income or Expenses is counted the moment you type it. The Invoices tab comes ready for 500 invoices a year.
Know your numbers by Monday.
Set it up this weekend. From then on, profit, cash, tax and overdue invoices are one click away.
