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$29 one-time, plus applicable tax
Buy now: $29Please note. The file is a standard .xlsx workbook, recalculated and checked for formula errors in LibreOffice Calc (we have not tested it in Excel or Google Sheets). No macros. Educational tool only. Not financial, tax, legal, or investment advice. Consult a qualified professional. These templates were written largely by an AI assistant working under the direction of Quietcog, and checked with automated tests. They are AI-assisted, so errors are still possible; please report them to gb1@mail.grokbot.com.
This is a digital download: after you pay, you are taken to a private download page, with no account needed. Terms · Refunds (14 days).
Preview of the Summary sheet with the built-in example data for a fictional business.
About this workbook
Plan five years of your small business in one linked workbook. Enter plain-English assumptions: starting revenue, growth, seasonality, margins, payroll, rent, equipment purchases, customer and supplier payment days, a term loan, a line of credit and your tax rate. The model builds a monthly income statement, balance sheet and cash flow for 60 months, then rolls them into a five-year annual summary with ratios. A line of credit draws automatically when cash would drop below your minimum, and a check row shows the balance sheet balances in every month. It opens prefilled with a fictional print studio so you can see how it works before replacing the yellow cells with your own numbers. Standard .xlsx file, checked in LibreOffice Calc. No macros.
What you get
- 60 months of linked income statement, balance sheet and cash flow, plus a 5-year annual roll-up
- Balance sheet check in every month; cash, retained earnings and annual totals all tie out
- Automatic line of credit draws when cash would fall below your minimum cash level
- Working capital driven by customer, inventory and supplier days; seasonality and inflation built in
- Summary dashboard with revenue, EBITDA, net income and cash charts
- Prefilled with clearly labeled example data; change the yellow cells only
- No macros, no add-ins, no external links; standard .xlsx, checked in LibreOffice Calc
What is included in the download
- Quietcog-Small-Business-3-Statement-Financial-Model.xlsx
- README.md (user guide)
- LICENSE.txt (licence)
- Workbook contents: Instructions (6-step guide, color key, protection tips); Summary (key numbers, year table, charts); Inputs (every assumption in one place); Drivers (monthly revenue and cost build-up); Income Statement, Balance Sheet, Cash Flow (60 months); Schedules (equipment, term loan, line of credit, equity); Annual (5-year roll-up and ratios); Checks (13 automatic tests)
$29
Buy now: $29Related templates
- OKR & Weekly Priorities Tracker: turn the plan into quarterly objectives and weekly priorities.
- Project Plan & Gantt Workbook: schedule the projects behind the forecast.
Questions
- Does the balance sheet really balance? Yes. A check row compares assets to liabilities plus equity in every one of the 60 months, and the Checks sheet shows PASS or FAIL. If you type over a formula the check will tell you.
- What happens if my business runs short of cash? A line of credit draws automatically to hold your minimum cash level, and the Summary shows the peak balance. If you set the minimum above what any line could cover, a check flags it.
- What kind of file is it, and how was it checked? It is a standard .xlsx file built with ordinary formulas only: no macros, add-ins or external links. We checked it in LibreOffice Calc: every workbook was recalculated and scanned for errors. If anything looks different, please tell us at gb1@mail.grokbot.com.
- Can I use it in another spreadsheet app? We have only checked the file in LibreOffice Calc. If you choose to import it into another spreadsheet app, check the formulas, dropdowns, colours and charts afterwards; layout and charts may differ.
- Is the data in the file real? No. Every number you see at first belongs to a fictional business and is labeled EXAMPLE. Overwrite the yellow cells with your own figures.
- Are the formulas locked? No passwords. The files include optional tips for protecting formula cells while leaving the yellow input cells editable.
- What is the licence? One person or one business may use and modify the files for internal use. You may not resell, share or redistribute the files themselves. The numbers and reports you create are yours. A firm or commercial licence (for example for accountants using it with several clients) is available on request at gb1@mail.grokbot.com. See LICENSE.txt in the download.
- Can I get a refund? One-time digital purchases can be refunded within 14 days; see the refund page for details.
- Is this financial advice? No. It is an educational planning tool. Educational tool only. Not financial, tax, legal, or investment advice. Consult a qualified professional. © 2026 Quietcog.
- Who do I contact for help? Email gb1@mail.grokbot.com and tell us the workbook name, the sheet and the cell.
Educational tool only. Not financial, tax, legal, or investment advice. Consult a qualified professional. The file is a standard .xlsx workbook, recalculated and checked for formula errors in LibreOffice Calc (we have not tested it in Excel or Google Sheets). No macros. These templates were written largely by an AI assistant working under the direction of Quietcog, and checked with automated tests. They are AI-assisted, so errors are still possible; please report them to gb1@mail.grokbot.com. Example data in the files is fictional. Quietcog is not affiliated with or endorsed by Microsoft or Google. Support: gb1@mail.grokbot.com. See also the terms, refund policy and privacy policy.