Cash Book & Income Tracker Template
Track income and expenses month by month with automatic running balance, bank reconciliation, and profit summary.
File format: .xlsx (Microsoft Excel, Google Sheets, LibreOffice compatible)
Cash Book
- 12 monthly transaction sheets
- Automatic running balance
- Bank reconciliation worksheet
- Monthly & year-to-date P&L summary
What is a Cash Book?
A cash book is a financial journal that contains all cash receipts and payments, including bank deposits and withdrawals. It is the foundation of business bookkeeping — every transaction that moves money in or out of your business gets recorded here.
Common use cases:
- Recording daily sales income and customer payments
- Tracking business expenses as they happen
- Monitoring your actual bank balance vs recorded balance
- Preparing figures for your Self Assessment tax return
- Understanding your business profitability month by month
When to use this template
- You are a sole trader or small business with regular transactions
- You want to understand where your money goes each month
- You need clean records for your accountant or HMRC
- You are preparing for Making Tax Digital (MTD) quarterly updates
What Your Template Contains
Everything you need, pre-built and ready to use. Just enter your data in the blue cells.
12 Monthly Transaction Sheets
One sheet per month with date, description, category, income, expense, and running balance columns.
Income Categories
Sales, Services, Consultancy, Rent Received, Interest, and 2 custom categories.
Expense Categories
20 HMRC-friendly categories including office costs, travel, professional fees, and more.
Bank Reconciliation
A dedicated worksheet to tick off transactions against your bank statement.
Monthly Summary
Auto-calculated totals per category with profit/loss for each month.
Year-to-Date Dashboard
Overview of total income, total expenses, net profit, and tax estimate.
How This Template Helps Your Business
Save Hours Every Month
Pre-built formulas mean no manual calculations. Just enter transactions and see your position instantly.
HMRC-Ready Records
Categories align with HMRC Self Assessment SA103 form boxes. Your accountant will thank you.
Spot Problems Early
Monthly reconciliation catches errors, duplicates, or missing transactions before they become costly mistakes.
Get Started in Minutes
No accounting knowledge required. Follow these simple steps and you'll be tracking your finances in no time.
Download TemplateDownload the template and open in Excel or Google Sheets
Enter your business details and year-end date on the cover sheet
Record each transaction on the relevant monthly sheet (date, description, category, amount)
Only fill in the blue cells — everything else calculates automatically
Use the reconciliation sheet monthly to match your bank statement
Review the summary dashboard for your year-to-date position
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Self-Employed Log
Designed for sole traders and freelancers. Simple transaction list that auto-summarises into HMRC-friendly categories.
Expense Tracker
Detailed expense logging with receipt tracking, mileage integration, and HMRC-compliant categorisation.
P&L Statement
A clean Profit & Loss report that summarises income minus expenses to show your business profitability.
Bank Reconciliation
Match your cash book to your bank statement. Identify unreconciled items and ensure accuracy.
Frequently Asked Questions
Quick answers about this template
Ready to Get Started?
Download this free template and take control of your business finances today.
Free download, no email required. Works in Excel and Google Sheets.