Know what came in
Capture every sale and other source of business income.
Free business template
Income & Expense
Tracker Template
Sales can look healthy while your money quietly disappears.
See exactly what came in, what went out, what it was for and what is left. This free Income & Expense Tracker gives every transaction a place so you can stop guessing and start making decisions from real numbers.
Free to use. No sign up required.
Income & Expense Tracker
Business Name: Your Business Name
| Date | Type | Category | Description | Amount | Payment Method |
|---|---|---|---|---|---|
| 2026-09-01 | Income | Product Sale | Sale of skincare products | 12,500 | M-Pesa |
| 2026-09-02 | Expense | Stock Purchase | Beauty product inventory | 6,800 | Bank |
| 2026-09-03 | Expense | Delivery | Courier charges | 700 | Cash |
| 2026-09-04 | Income | Service Income | Facial treatment | 8,000 | M-Pesa |
| 2026-09-05 | Expense | Rent | Shop rent | 12,000 | Bank |
| 2026-09-06 | Expense | Utilities | Electricity | 1,200 | M-Pesa |
| 2026-09-07 | Income | Other Income | Gift card sales | 2,000 | M-Pesa |
Total Income47,500
Total Expenses23,200
Net Cash Movement24,300
See what went out
Keep business costs visible before they disappear into memory.
Spot the money leaks
See which categories are eating into your cash.
Know what is left
See the gap between money earned and money spent.
Template features
Stop wondering where the money went.
Income log
Record every sale and other source of business income.
Expense log
Capture the costs that chip away at your money.
Custom categories
Group transactions in a way that matches how your business actually runs.
Payment method tracking
Track whether money moved by M-Pesa, bank, cash or another method.
Monthly totals
See total income and total expenses without doing the maths yourself.
Net cash movement
See the difference between what came in and what went out.
Automatic formulas
Built-in formulas keep your totals updated as you add transactions.
Example entries
Start faster with example entries and practical category ideas.
Get started
Use it where you already work.
Google Sheets
Use it onlineOpen the tracker in Google Sheets and start recording transactions straight away. Your changes save automatically and stay available across devices.
We’ll add the live Google Sheets link when it is shared.Microsoft Excel
Download the spreadsheetDownload the tracker to Excel, work offline and keep a copy saved on your own device.
We’ll add the Excel file when it is shared.Step by step
Start tracking your money in four simple steps.
1
Add your income
Add every source of money coming into the business, including product sales, service income and other earnings.
Income
Example
Date
2026-09-01
Type
Income
Amount
12,500
2
Add your expenses
Add every business cost, from stock and rent to utilities, delivery and other day-to-day spending.
Expense
Example
Date
2026-09-02
Type
Expense
Amount
6,800
3
Categorise each transaction
Assign each transaction to a category so patterns are easier to see and review.
Category
Example
Income
Product Sale
Expense
Stock Purchase
4
Review your totals
Review total income, total expenses and net cash movement so you know what changed and what is left.
Summary
Amount
Total Income
47,500
Total Expenses
23,200
Net Cash Movement
24,300
Useful for
Built for the way real small businesses handle money.
Small businesses
Keep daily money movement visible without building a complicated finance system.
Online sellers
Track sales alongside stock, delivery and other costs that affect what you actually keep.
Service providers
See service income and the costs behind delivering that work.
Growing businesses
Use cleaner records to spot patterns, control spending and make better decisions.
FAQ
Frequently asked questions.
Is this Income & Expense Tracker free?
Yes. The template is free to use. You can use the Google Sheets version online or download the Excel version. No sign up is required.
What counts as business income?
Business income can include product sales, service income, fees, commissions and other money earned by the business.
What expenses should I record?
Record costs connected to running the business, such as stock purchases, rent, utilities, delivery, packaging, marketing and transaction fees.
Can I customise the categories?
Yes. The categories are designed to be editable so you can match them to how your own business operates.
Will the totals update automatically?
Yes. The template uses formulas to update total income, total expenses and net cash movement as transactions are added.