Bookkeeping Template for Trades and Contractors, Profit and Loss Tracker, Small Business Income Expense Spreadsheet US UK

Run a trade or a small contracting business and your books never quite fit the retail templates everyone else sells. This one is built for how you actually earn: money in from jobs and invoices, money out for materials, fuel, tools, subcontractors, and overhead, and a profit and loss dashboard that tells you what you really kept at the end of the month.

You log what comes in and what goes out, and the workbook does the rest. The live P&L dashboard shows month-by-month income, expenses, and net profit, a running margin, and a breakdown by category, all built with SUMIFS so it is always current. No macros, no add-ins, no subscription.

It pairs with the Wareloft estimating workbooks: the estimator prices and quotes the job, and this tracks the money once the work is done. Set your Region to US or UK on the Settings tab and the whole workbook follows, dates and currency included. Your real dates are stored as real dates underneath, so sorting and the monthly totals never break.

WHAT'S INSIDE (6 TABS)

1. Start Here. Plain instructions, a 60-second setup, how the US/UK toggle works, and Google Sheets import steps.
2. Settings. Your business details, the Region toggle, and your own income and expense category lists. The currency symbol and date format are set from the toggle for you.
3. Income. Log every payment: date, description, category, client, amount, notes. A Date (shown) column re-formats each date to your Region, and an Amount (shown) column carries your currency symbol.
4. Expenses. Same shape as Income, plus a Category and a Tax deductible? flag that feeds the Tax Prep tab.
5. Dashboard. Your profit and loss. Month-by-month income, expenses, and net profit, year-to-date totals, a profit margin, and a breakdown by category. All of it built with SUMIFS across your logs, so it is always live.
6. Tax Prep. Deductible expenses added up by category, your total income, and an estimated taxable profit for the year.

A short sample set of income and expenses is pre-filled so you can see the dashboard working before you clear it and start your own.

HONEST LOCALE SUPPORT

A spreadsheet cell cannot change its number format with a formula, so plenty of templates fake this or skip it. This one does it properly. The date you type stays a real date for the math, a display column renders it in your format, and the dashboard reads a single currency-symbol cell. Flip the Region and it all moves together, in Excel and in Google Sheets.

COMPATIBILITY

Works with Microsoft Excel 2016 or newer and Google Sheets (import steps included). Formulas use only functions both platforms support, and every formula is machine-tested in both US and UK modes before release. No macros or VBA anywhere in the file.

INSTANT DOWNLOAD

This is a digital product. You get the .xlsx file immediately after purchase. Nothing is shipped.

SUPPORT

If something is unclear or a formula misbehaves, message us through Etsy and we will get you sorted. Buyers also receive fixes and improvements to this version of the workbook.

Please note: because this is a digital file, all sales are final. If you hit a problem, contact us first and we will make it right.

One thing to know: the Region toggle changes the date format and the currency symbol. It does not convert amounts between dollars and pounds. Type your figures in your own currency.

Designed by Wareloft. Built with AI assistance and human-reviewed.

RUN MORE THAN ONE TRADE?

This workbook is also part of the ALL-TRADES ESTIMATOR BUNDLE: all 21 Wareloft workbooks in one download, for less than the price of four bought separately. See the bundle listing here:

https://www.etsy.com/listing/4543437673/contractor-estimate-template-bundle-21