Five workbooks that take a position

Cash flow, receivables aging, bookkeeping and P&L, bills, and budget vs actuals. Trade-agnostic, so they work whether you pour concrete or fill teeth. Each one is a single Google Sheet you copy into your own Drive, run from its own menu, and own outright.

What separates them from a normal template

They refuse to print a confident wrong answer. That sounds like a small thing until the wrong answer is the one you act on.

Aging is measured from the due date

An invoice with 60-day terms is not 45 days late on day 45.

A budget is pro-rated to today

In March you are measured against March, not told you are 70% under budget for a year that has not happened yet.

Runway is net of the tax you have already spent

Tax money is sitting in your account, and it is not yours. The forecast does not count a penny of it as runway.

A category with no budget shows an em dash

Not 0%, and not infinity per cent. Something you never budgeted for has no variance to report, and the page says so.

A profitable business is never told it has zero months of runway

When you are not burning cash there is no runway figure to give. The card says that in words rather than printing 0.0 months.

The P&L tells you when it stops adding up

If it no longer agrees with the two ledgers underneath it, that is said on the page, not buried in a cell you never look at.

What arrives

A link

You press it, Google makes your own copy, and it is yours. Nothing is pasted into Apps Script.

A PDF setup manual

Nine to eleven pages depending on the tool. Fifty-one pages across all five.

A menu of your own, inside the sheet

No add-on, no extension, nothing to install. It is there the first time you open your copy.

No Gmail access, on any of the five

The script can see the spreadsheet you copied and nothing else. Not your mail, not the rest of your Drive, and nothing is sent back here.

One payment

No subscription. It keeps working whether or not this shop still exists.

Best value

All five, $49.99

Bought one at a time they come to $104.95. That is $54.96 saved, 52% off, for the five files together with all 51 pages of manual.

Five separate workbooks, not five tabs in one file — so you can hand the bookkeeping ledger to your bookkeeper without handing over your cash flow.

Get all five

Not sure which one?

Start with the one whose question you asked most recently this month. If your trade needs something more specific than the money side, the industry dashboards are built for one trade at a time.