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Small Business Financial Starter KitKnow what your business really keeps, not just what it brings in.
A simple Excel and Google Sheets tracker for sole proprietors and single-member LLCs that file Schedule C. Log what comes in and what goes out, and it shows your profit, your break-even and how many months your cash covers. About 15 minutes a week.
- Your real profit and margin, month by month
- Break-even income and how many months your cash covers
- A Schedule C summary and 1099 check ready for your CPA
Want it set up with Brian? Kit + Kickstart Call, $247
Instant download · Excel & Google Sheets · 14-day “it works for you” promise
Sound familiar?
Money comes in. Money goes out. What did you keep?
It goes up, it goes down, and you can’t tell if the business is doing better or just busier.
You spend a weekend sorting the year, and your CPA still has questions.
You take money out when it feels safe, without knowing what the business can really afford.
A full sample year
See a finished year before you start yours.
The kit comes with a complete sample year for Juniper Lane Design Studio, a one-person design business. Twelve months of real-looking income and expenses, already filled in, so you can click around and see what every tab does.
Then you open the blank tracker and do the same with your own numbers.
Juniper Lane is fictional. The numbers are a worked example, not a promise of results.
Juniper Lane’s sample year
- Income
- $158,569.99
- Cost of goods
- $9,070.71
- Business expenses
- $81,219.96
- Net profit (43.1%)
- $68,279.32
- Owner pay for the year
- $59,750.00
- Cash at year end
- $33,408.50
Your six numbers
Pick a month. Read six numbers. Know what to do next.
The My Numbers tab gives each number a status and a plain-English “so this means.” Here is September from the sample year.
Up 72.8% vs August
✓ HealthySales grew. Keep doing what is working.
Kept $5,193 of every sales dollar, before owner pay
✓ HealthyA healthy share of every dollar stayed in the business.
Cost of goods was $602
✓ HealthyPrices leave plenty to cover overhead.
Up 44.4%, slower than income
✓ HealthyCosts are growing slower than sales.
$9,549 to also cover owner pay
✓ HealthyIncome covered the fixed bills and the owner’s pay.
Cash on hand vs average monthly spending
⚠ WatchBuild a cushion before any big purchase.
The My Numbers tab, from the sample year that comes with the kit.
Inside the tracker
14 tabs. Most of the typing is on three.
Gold cells are where you type. Everything else calculates on its own, and the formulas are locked so nothing breaks.
- Start Here
the 15-minute weekly routine, a months-logged progress row and what each tab does - Setupyou type, once
your business, starting cash, fixed bills and what you want to pay yourself - Incomeyou type
every dollar that comes in - Expensesyou type
every dollar that goes out, sorted into plain categories - Monthly Summary
income, costs, profit, margin, owner pay and cash for every month - My Numbers
six key numbers for any month, each marked Healthy, Watch or Act - Where the Money Goes
your income sources and your top five costs, with charts - Month-End Checklist
eight short steps to close each month - Money Owedoptional
invoices, days outstanding and who to remind - Mileageoptional
a trip log with the 2026 IRS rate built in - What I Own & Oweoptional
your stake in the business and why it changed - Contractor Paymentswhen you pay one
who you paid, W-9 on file and a 1099 check at the new $2,000 threshold - Year-End for Your CPA
totals sorted by Schedule C line, a contractors and 1099 check, plus a hand-off checklist - Lists
the categories behind every dropdown, with room for your own
What you get for $97
Everything in the download, plus a little help.
One payment, no subscription. Here’s exactly what you download, and what comes with it.
Blank and ready for your business. You type in the gold cells; profit, margin and your six numbers fill in.
The same workbook filled in for Juniper Lane Design Studio (fictional), so you can see a finished year first.
Plain English, with a Quick Start, worked examples and what each number means.
Your numbers on one page, a month-end checklist, common expense categories, a repair-or-improvement guide and a CPA hand-off email.
PROMISE
Follow the Quick Start. If it still isn’t showing your real profit, we help you fix it, or you get a full refund.
Stuck on a tab or a number? Write to [email protected] and we’ll help you sort it out.
Ready for QuickBooks Online or Xero? Within 90 days, your $97 counts toward Kellcat Books Setup.
No subscription. Instant download, in Excel and Google Sheets.
Get the kit, $97From the sample year
Real screens. Calculated for you.
Every screen below comes from the filled-in sample year that ships with the kit. You type in the gold cells; the rest fills in.
Tap a screen to see it full size.
How it works
A small habit, not a new job.
Open the sample year and the field guide. Read the Quick Start.
Fill in Setup and log this year so far. Most owners need about four hours.
Log what came in and what went out. That’s the whole routine.
Tick the checklist, read your six numbers and decide what to do next.
Is it right for you?
Built for one kind of business, on purpose.
A good fit if you
- Run a business on your own or as a single-member LLC and file Schedule C
- Are a freelancer, consultant, designer, coach, contractor, maker or online shop
- Track money in a notebook, your bank app or not at all
- Want to know your profit without learning accounting software
Probably not a fit if you
- Run a partnership, an S-corp or a business with staff on payroll
- Manage several businesses or entities in one place
- Rent out property (that’s a different kit)
- Would rather hand the books to someone else
Rent on Airbnb or Vrbo? See the STR Kit. Want it done for you? Book a free Discovery Call.
Choose your start
Do it yourself, or set it up with Brian.
Small Business Kit
$97 one time
- 14-tab tracker for Excel and Google Sheets
- Full sample year to learn from
- 28-page guide with a Quick Start, plus a Printable Toolkit
- Schedule C year-end summary and 1099 check for your CPA
Kit + Kickstart Call
$247 save $47
- Everything in the kit
- A 60-minute Google Meet with Brian
- Set up your tracker with your own numbers, together
- Recording sent within 24 hours
Already bought the kit? Add the Kickstart Call for $150. After about 90 days of numbers, a Financial Clarity Call ($197) walks through what they say.
Ready for QuickBooks or Xero?
Brian sets up QuickBooks Online or Xero for you: accounts connected, a chart of accounts that fits, bank rules and a recorded training call. Your $97 kit purchase counts toward setup within 90 days.
PROMISE
Our “it works for you” promise
Follow the Quick Start and set up your tracker. If it still isn’t showing you your real profit, email [email protected] within 14 days of purchase and tell us what isn’t working. We’ll help you fix it. If we can’t, you get a full refund. One refund per customer. The Kit + Kickstart Call is fully refundable any time before your call.
I built this kit from the same tracking system I use with my monthly bookkeeping clients. It answers the questions small business owners actually ask me: am I making money, what can I pay myself, and will I be okay next month.
Brian Kelly, Founder of Kellcat20+ years in accounting. 11+ years as a software engineer. Every formula is tested against a full sample year before a kit ships.
Questions
Before you buy.
How do I get the files?
Does it work in Google Sheets or only Excel?
I’m an LLC. Is this for me?
Does it connect to my bank or QuickBooks?
I have a rental and a small business. Which kit do I need?
Is this tax advice?
What if it doesn’t work for me?
Stop guessing. Start knowing your numbers.
One download, about 15 minutes a week, and a clear answer to “how is my business really doing?”