$12 Coming soon
Quarterly Tax Estimator
Your penalty-safe quarterly number, on its own — safe-harbor math built in.
Bookkeeping Tracker guide
Your Bookkeeping Tracker, tab by tab.
What each tab is for, when to use each menu item, and how to keep the file current. Everything here is also in the workbook's own Instructions tab — this is the fuller version.
Before you begin
First, make it yours.
Your purchase link opens a view-only original. To get your own editable version, open it in Google Sheets and click File → Make a copy — Google saves an editable copy to your Google Drive, yours forever. Work in that copy, not the original.
Quick start
Three steps to your first numbers.
- 1Open the Income tab and enter each invoice with Date Sent; add Date Received when payment lands.
- 2Open the Expenses tab and log every business expense, picking its IRS category from the dropdown.
- 3Return to the Dashboard. Your month-to-date and year-to-date totals update automatically.
The tabs
Ten tabs. Here is each one.
Instructions
Start here. It explains how to make your copy, what each tab is for, what the cell colors mean, and the basic workflow before you enter your first row.
Dashboard
Your financial snapshot — revenue, profit, tax reserve, and what needs attention. Read-only; it updates automatically as you log. Start your session here and come back to it.
Trends
See your money by month. Charts compare revenue vs expenses, show where the money goes by category, and track tax-reserve progress after you log income and expenses.
Income
Enter Date Sent when you invoice, then leave Date Received blank until payment lands. Aging, cash owed, and Avg Days to Payment use Date Sent; cash-basis revenue and tax-year totals use Date Received.
Expenses
Log every business expense — date, vendor, amount, and an IRS category from the dropdown. Deductibility is flagged for you (full, 50% for meals, or a business-use %), and it flags anything at or above the $75 receipt-keeping threshold.
Mileage Log
Log business trips — date, purpose, miles. The deduction calculates itself at the current IRS standard mileage rate (Pub 463 method). Post the year-to-date total to Expenses periodically.
Tax Set-Aside
The “how much should I owe” tab. It shows what to reserve for quarterly estimated taxes based on your profit so far, with safe-harbor thresholds built in — so April is never a surprise.
Monthly Review
A ten-minute, once-a-month reconciliation. The totals auto-fill; you answer five short prompts to close out the month. This is what keeps the file CPA-ready all year.
Ask Gemini
Optional. Copy-ready AI prompts for tax questions, cash flow, invoice follow-up, and CPA prep — paste them into your own free ChatGPT, Claude, or Gemini. The assist, not the authority: it never files anything for you.
Category Reference
Read-only. Every Expenses category shows its Schedule C line, a link to the always-current rule on the website, and a "Current as of Tax Year 2026" stamp.
The FinnStatement menu
Four tools, and when to reach for each.
At the top of the sheet, next to Help, you will find a FinnStatement menu.
Add 30 More Rows
Filled up the Income, Expenses, or Mileage Log tab? This adds 30 blank rows to whichever tab you are on. Use it the moment you run out of empty rows — your totals and formulas stay intact.
Repair Formulas
A summary number looks wrong, or you see an error after an edit? This restores the calculated cells on the Dashboard, Tax Set-Aside, and Monthly Review without touching your data. Use it if you overwrote a formula cell by accident.
Update IRS Values
Once a year, each January, when the IRS publishes new rates. It opens a step-by-step guide to update the four rate cells in the Config tab — mileage, home office, SEP IRA, Solo 401k. Quarterly due dates are already built in through 2030.
Workbook Version
Shows your copy’s version and tax year. Compare it against the version shown at the bottom of this page to confirm you are on the latest.
Active tax year
The workbook covers tax years 2026–2030. The Active Tax Year controls which year the Dashboard and Tax Set-Aside totals show. To change it, open the Config tab (hidden by default — right-click any tab, choose Unhide) and update the year cell. It starts on 2026.
Keeping it current
Quarterly tax due dates through 2030 are already built in — nothing to update there. Each January, when the IRS publishes new rates, use FinnStatement → Update IRS Values for the guided steps. Your existing data is preserved.
Set up for your trade
One recommended setup per trade.
Same 24 categories, interpreted for how your trade actually works — which ones you'll use, which to ignore, and the two things people in your line of work habitually miss.
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The rest of the toolkit
You own the Bookkeeping Tracker. Here's what's next.
New tools ship to the newsletter first, with an early-bird price.
$49 Coming soon
Get-Paid & Cash-Flow Pack
An outstanding-invoice tracker paired with your tax reserve, so getting paid and setting aside become one habit.
$79 Coming soon
Finance Starter Kit
The bundle — track, get paid, and set aside for taxes, in one kit.
This guide and the workbook are for organizing your records. They are not tax, legal, or financial advice — consult your CPA for that. IRS references are current as of each release.
Stuck on something? Email hello@finnstatement.com.
This guide covers workbook v1.7.2 · 2026 tax year