Cash Book with Balance Sheet Template
Everything in the Cash Book plus a full Balance Sheet to track assets, liabilities and your business net worth.
File format: .xlsx (Microsoft Excel, Google Sheets, LibreOffice compatible)
Cash Book + Balance Sheet
- All Cash Book features
- Full Balance Sheet report
- Track assets, liabilities & equity
- Inventory valuation
What is a Cash Book with Balance Sheet?
A Cash Book with Balance Sheet is a complete bookkeeping system that records your daily income and expenses AND shows your business's overall financial position. It tells you not just what you made this month, but what your business is actually worth — assets, liabilities, and equity — all in one file.
Common use cases:
- Tracking daily transactions alongside your complete financial position
- Preparing year-end accounts without hiring an accountant
- Applying for business loans or finance (lenders often want a Balance Sheet)
- Understanding whether your business is growing in value over time
- Submitting accurate figures to HMRC for Self Assessment or corporation tax
When to use this template
- You want more than just a transaction list — you want to see your net worth
- You are a limited company or sole trader preparing year-end accounts
- You need to show financial health to a bank, investor, or landlord
- You have assets (equipment, stock) or liabilities (loans, credit cards) to track
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
Record income and expenses month by month with automatic running balances, just like the standard Cash Book.
Full Balance Sheet Report
Lists everything your business owns (assets) and owes (liabilities), with equity calculated automatically.
Asset & Liability Tracking
Separate sections for fixed assets (equipment, vehicles), current assets (cash, stock), and liabilities (loans, payables).
Inventory Valuation
Track stock or inventory value and see how it affects your overall financial position.
Loan & Depreciation Tracker
Record business loans and calculate depreciation on assets over time.
Multi-Bank Account Support
Track multiple bank accounts, credit cards, and cash holdings in one place.
How This Template Helps Your Business
See the Full Picture
Most small businesses only track income and expenses. This template shows you what your business is actually worth — essential for growth decisions.
Loan-Ready Financials
Banks and lenders almost always ask for a Balance Sheet. This template produces one automatically from your transaction data.
Spot Hidden Problems
A Balance Sheet reveals issues a P&L hides — like building debt, shrinking cash reserves, or assets losing value.
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, year-end date, and opening balances on the cover sheet
Record daily transactions on the relevant monthly sheet (date, description, category, amount)
Update the Balance Sheet section with your assets (equipment, stock) and liabilities (loans, credit cards)
Review the summary dashboard for profit/loss AND net worth position
Use the reconciliation worksheet monthly to match your bank statements
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Cash Book
Track income and expenses month by month with automatic running balance, bank reconciliation, and profit summary.
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.