Disclosure: I'm the maker of Ponte Sheets. Not tax advice; check your rate with an accountant. Freelance money arrives at random times, so "how much is in my account" is the wrong number. Here's the formula chain I use. The cell references are the real ones from my template: one tab per month (Jan..Dec), with Date in B, Type (Income/Expense) in C, Category in D, Net amount in J and Status (Paid/Pending) in K. Your tax rate goes in a Settings cell named TaxPct . Names like Profit , AfterTa...