Free templates
Ten printable financial report worksheets.
Profit and loss, cash flow, balance sheet, ageing, budget vs actual, summaries, tax and project profitability — blank, ruled, and labeled correctly for each statement. Print the whole set or just the one you need.
Reviewed 2026-08-11
What each statement actually answers
Ten different questions, ten different shapes. Pick the worksheet that matches the question you're actually asking.
A profit and loss statement and a cash flow statement look similar and answer different questions — the first asks are we profitable, the second asks do we have the cash, and a business can be "yes" on one and "no" on the other at the same time (an invoice counted as revenue this month might not be paid for another sixty days). A balance sheet answers a third question entirely — what is this business worth right now — as a snapshot rather than a period. The other seven worksheets below are narrower tools: who owes you money and for how long, what you owe and for how long, whether you're tracking to your own budget, and where the money actually went by category, tax period or project.
These are worksheets, not reports. Every table below is blank — a ruled page with the right line labels, meant to be filled in by hand from your bank statements, your invoices and your own records. Nothing on this page reads your books or does the arithmetic for you. Ochre produces these same figures directly from the invoices, payments and expenses already in your books — filled in automatically, not by hand.
Profit and loss
Are we making money over this period, and where does it go before it becomes profit?
Cash flow
Do we have the cash to cover what's coming, separate from what we've merely invoiced?
Balance sheet
What is this business worth right now — assets, what's owed, and what's left over?
Receivables ageing
Who owes us money, and how overdue is each invoice?
Payables ageing
Who do we owe, and how close are we to being late?
Budget vs actual
Are we tracking to the plan we set, and by how much did we miss it?
Revenue summary
Where did income actually come from this period, by category?
Expense summary
Where did the money actually go this period, by category?
Tax summary
What tax did we collect, pay, and still owe for this period?
Project profitability
Did this specific job actually make money once every cost is counted?
Worksheet 1 of 10
Profit and loss statement
Revenue minus expenses over a period — the question this answers is whether the business made money between two dates.
| Line item | Amount |
|---|---|
| Revenue | |
| Sales revenue | |
| Service revenue | |
| Other income | |
| Total revenue | |
| Cost of goods sold | |
| Cost of goods sold | |
| Gross profit | |
| Operating expenses | |
| Rent | |
| Wages & salaries | |
| Utilities | |
| Marketing & advertising | |
| Insurance | |
| Office supplies | |
| Professional fees | |
| Other operating expenses | |
| Total operating expenses | |
| Operating profit | |
| Other income / (expense) | |
| Interest income | |
| Interest expense | |
| Net profit before tax | |
| Tax | |
| Net profit | |
Worksheet 2 of 10
Cash flow statement
Cash actually moving in and out — separate from revenue you've invoiced but not yet been paid for, this is the number that decides whether payroll clears.
| Line item | Amount |
|---|---|
| Operating activities | |
| Cash receipts from customers | |
| Cash paid to suppliers | |
| Cash paid to employees | |
| Interest paid | |
| Tax paid | |
| Net cash from operating activities | |
| Investing activities | |
| Purchase of equipment / assets | |
| Sale of equipment / assets | |
| Net cash from investing activities | |
| Financing activities | |
| Loan proceeds | |
| Loan repayments | |
| Owner contributions | |
| Owner drawings | |
| Net cash from financing activities | |
| Net increase / (decrease) in cash | |
| Opening cash balance | |
| Closing cash balance | |
Worksheet 3 of 10
Balance sheet
A snapshot, not a period — what the business owns, owes, and is worth, as of one specific date.
| Line item | Amount |
|---|---|
| Current assets | |
| Cash and bank | |
| Accounts receivable | |
| Inventory | |
| Prepaid expenses | |
| Total current assets | |
| Non-current assets | |
| Equipment & fixtures | |
| Less accumulated depreciation | |
| Property | |
| Total non-current assets | |
| Total assets | |
| Current liabilities | |
| Accounts payable | |
| Accrued expenses | |
| Short-term loans | |
| Tax payable | |
| Total current liabilities | |
| Long-term liabilities | |
| Long-term loans | |
| Other long-term liabilities | |
| Total long-term liabilities | |
| Total liabilities | |
| Equity | |
| Owner's capital | |
| Retained earnings | |
| Owner's drawings | |
| Total equity | |
| Total liabilities and equity | |
Total assets should equal total liabilities and equity — if the two don't match, something is missing or double-counted above.
Worksheet 4 of 10
Receivables ageing
Every unpaid invoice, sorted by how overdue it is — the worksheet for deciding who to chase first.
| Customer | Invoice # | Invoice date | Due date | Total | Current | 1–30 days | 31–60 days | 61–90 days | 90+ days |
|---|---|---|---|---|---|---|---|---|---|
| Total | |||||||||
Worksheet 5 of 10
Payables ageing
Every bill you owe, sorted the same way — the worksheet for deciding what to pay before it's late.
| Vendor | Bill # | Bill date | Due date | Total | Current | 1–30 days | 31–60 days | 61–90 days | 90+ days |
|---|---|---|---|---|---|---|---|---|---|
| Total | |||||||||
Worksheet 6 of 10
Budget vs actual
The plan next to what really happened, line by line, with the gap between them called out in both amount and percentage.
| Line item | Budget | Actual | Variance $ | Variance % |
|---|---|---|---|---|
| Revenue | ||||
| Total revenue | ||||
| Expenses | ||||
| Total expenses | ||||
| Net (revenue − expenses) | ||||
Variance % is the variance amount divided by the budgeted amount — a negative number on a revenue line, or a positive number on an expense line, both mean "worse than planned."
Worksheet 7 of 10
Revenue summary
Every source of income for the period, logged as you receive it, so the category breakdown is a sum rather than a guess at the end.
| Date | Category | Description | Amount |
|---|---|---|---|
| Total revenue | |||
Worksheet 8 of 10
Expense summary
Every outgoing cost for the period, the same way — one line per expense, so "where did it all go" has an answer.
| Date | Category | Description | Amount |
|---|---|---|---|
| Total expenses | |||
Worksheet 9 of 10
Tax summary
What was collected on sales, what was paid on purchases, and what's still due — plus a place to track other tax obligations by period.
| Period | Taxable sales | Tax collected | Taxable purchases | Tax paid | Net due / (refund) | Filed & paid on |
|---|---|---|---|---|---|---|
| Tax type | Period | Amount due | Amount paid | Paid on |
|---|---|---|---|---|
Worksheet 10 of 10
Project profitability
One job at a time — what it billed, what it actually cost across every cost type, and whether it was worth taking on.
| Project | Client | Budget | Revenue billed | Labor | Materials | Subcontractor | Overhead | Total cost | Profit | Margin % |
|---|---|---|---|---|---|---|---|---|---|---|
Margin % is profit divided by revenue billed, not by cost — see the markup calculator if you'd rather work from cost.
Questions
Are these templates actual generated reports?
Which template should I use first?
Can I print just one worksheet instead of all ten?
Why is there no calculator on this page?
What this page cannot do
A blank page is not a bookkeeping system.
Every number on these ten worksheets has to come from somewhere — your invoices, your bank statements, your receipts, added up by hand or copied in from a spreadsheet. That's real work, and it's the same work every single period. Ochre keeps the invoices, payments and expenses these statements are built from in one place on your iPhone, iPad, or Mac, so the figures are already there instead of waiting to be transcribed — still fully local-first, still no account.
