Every time a client pays you, know how much is really yours.
A finance tracker for freelancers. It splits every payment into tax, savings and take-home pay, so you can spend without worrying about next year’s tax bill.
One-time payment. Excel, Google Sheets and Numbers. 14-day refund.
Works in any currency. The tracker does this for every payment, every month.
Your money, sorted into three piles
Freelance income is lumpy, and tax arrives months after you’ve spent the money. The tracker fixes the timing: it works out what to set aside the moment you’re paid.
Know your tax bill before it arrives
Every paid invoice is split automatically. Move the amber number into a separate account each month and the tax bill stops being a shock.
See what’s safe to pay yourself
After tax and savings, the dashboard shows what you can actually spend, month by month. No more guessing from your bank balance.
Build a buffer for quiet months
Set a savings rate and the tracker puts a share of every good month aside, so a slow month doesn’t become a crisis.
Chase late payers on time
Unpaid invoices older than 30 days turn red, and the dashboard shows how much you’re owed and how long clients take to pay.
See where the money goes
Expenses are grouped by category with a yearly breakdown, which is exactly what an accountant asks for in January.
Five minutes a week
Log invoices when you send them and receipts when you pay them. The dashboard does the rest. No bank connections and no subscription.
| Month | Paid income | Expenses | Profit | Set aside for tax | To savings | Safe to pay yourself |
|---|---|---|---|---|---|---|
| Jan | 3,200 | 410 | 2,790 | 698 | 279 | 1,814 |
| Feb | 4,650 | 380 | 4,270 | 1,068 | 427 | 2,776 |
| Mar | 2,900 | 1,240 | 1,660 | 415 | 166 | 1,079 |
| Apr | 5,400 | 420 | 4,980 | 1,245 | 498 | 3,237 |
| May | 4,100 | 395 | 3,705 | 926 | 370 | 2,408 |
| Jun | 4,800 | 610 | 4,190 | 1,048 | 419 | 2,724 |
| Total | 25,050 | 3,455 | 21,595 | 5,399 | 2,160 | 14,037 |
The dashboard tab, filled with sample data at a 25% tax rate and a 10% savings rate. Yours fills in as you log invoices and costs.
Pay once, use it every year
Copy the file each January and start again. No subscription, no account and no bank login.
Tracker
The spreadsheet that answers “how much can I actually spend?”
- Income and expense logs (500 rows each)
- Monthly dashboard with chart
- Automatic tax set-aside and savings
- “Safe to pay yourself” figure every month
- Overdue invoice alerts
- Quick start guide (PDF)
- Invoice template with automatic totals
- Rate and pricing calculator with project quoter
Complete kit
Tracker, plus the tools to price your work and get paid.
- Income and expense logs (500 rows each)
- Monthly dashboard with chart
- Automatic tax set-aside and savings
- “Safe to pay yourself” figure every month
- Overdue invoice alerts
- Quick start guide (PDF)
- Invoice template with automatic totals
- Rate and pricing calculator with project quoter
Instant download after checkout. Works in Excel, Google Sheets and Apple Numbers. No subscription, and every future update is free. If it isn’t useful, email us within 14 days for a full refund.
Free tools and guides
Start with the free calculators. If they help, the tracker does the same thing for your whole year.
Questions
Do I need Excel?
No. The files open in Microsoft Excel, Google Sheets (free, via File > Import) and Apple Numbers. Every formula is built to work in all three.
Does it work with my currency and country?
Yes. You enter amounts in whatever currency you’re paid in, and you choose your own tax set-aside rate. Nothing is tied to one country’s tax system.
How do I know what tax rate to use?
Many freelancers set aside somewhere between 25% and 35% of profit, but the right number depends on where you live and how much you earn. Ask an accountant or check your tax office’s website, then enter it once on the Start Here tab. You can use our free set-aside calculator to try different rates first.
Is this tax or accounting software?
No. It’s a budgeting tool that tells you how much to put aside and what’s safe to spend. It doesn’t file returns or replace an accountant, but it gives your accountant clean, organised numbers at the end of the year.
How do I get the files?
Straight after checkout you get a download link on screen and by email. The files are yours to keep.
What if it isn’t right for me?
Email hello@setasidekit.com within 14 days of buying and you’ll get a full refund.