Free finance reporting tools & templates
A finance report is just a consistent structure applied to numbers you already have. This guide gives you four report structures you can copy into any spreadsheet, plus the free Kritvox tools that handle the maths and the export.
Last updated: February 2026
What counts as a finance report
For individuals and small businesses, four reports cover almost everything: where money went last month, whether the business made a profit, whether cash will run out, and who still owes you. Anything more elaborate is usually a compliance requirement rather than a decision-making need.
Four report templates (copy the columns)
| Report | Columns | When to use it |
|---|---|---|
| Monthly income & expense report | Date, Category, Description, Income, Expense, Running balance | Personal monthly review or a sole trader's bookkeeping baseline. |
| Simple profit & loss (P&L) | Revenue, Cost of sales, Gross profit, Operating costs, Net profit | Quarterly view for a small business or freelancer. |
| Cash-flow forecast (12 weeks) | Week, Opening cash, Money in, Money out, Closing cash | Spotting the week you run short before it happens. |
| Invoice tracker | Invoice no., Client, Issued, Due, Amount, Status | Chasing late payments without a full accounting package. |
A free workflow, start to finish
- Export transactions from your bank as CSV and paste them into a sheet using one of the structures above.
- Convert or tidy the raw export with the text tools — the CSV to JSON converter and duplicate-line remover handle most messy exports.
- Calculate the derived figures — margin, break-even, tax, ROI — with the calculators below.
- Print the finished sheet to PDF, then merge, compress or password-protect it with the PDF tools.
Calculators that feed the report
Profit Margin Calculator
Calculate gross profit, margin and markup from cost and revenue. Free online profit margin calculator that runs in your browser — no upload, no watermark, no…
Break-Even Calculator
Find how many units you must sell to cover your fixed costs. Free online break-even calculator that runs in your browser — no upload, no watermark, no sign-u…
GST Calculator
Add or remove GST from any amount at any rate. Free online gst calculator that runs in your browser — no upload, no watermark, no sign-up.
ROI Calculator
Measure return on investment as a percentage and annualised rate. Free online roi calculator that runs in your browser — no upload, no watermark, no sign-up.
The full set lives on the finance tools hub.
Do you need reporting software?
If you file VAT/GST, run payroll, or have more than a handful of monthly invoices, dedicated accounting software pays for itself in avoided mistakes. Below that threshold, a spreadsheet plus these free tools produces the same reports without a subscription — and without your financial data leaving your device, since every Kritvox tool runs in the browser.