Every template below works in both Google Sheets and Excel — no plugins, no subscription.
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Get a feel for how our tools work before you buy anything.
The Free 4-Week Cash Flow Snapshot
Stop guessing if you can clear payroll next month. Get instant clarity on your short-term cash runway in under 5 minutes.
- 100% Free download to map your next 30 days
- Visual gauge charts turn bank balances into clear trends
- Formula-locked cells prevent accidental deletion
Free Profit & Loss Tracker
Revenue tells you if sales are up. Profit tells you if the business actually works. See both, every month, in one clean view.
- 100% Free — a real P&L with Gross and Net Margin calculated automatically
- Dashboard auto-flags your strongest and weakest months
- Full 12-month margin trend chart included
Annual Cash Flow Command Center
Know your cash position under three futures, not just one — and exactly how much runway you have under each.
- Best/Base/Worst scenarios calculated automatically from one set of inputs
- Danger Zone alerts flag any month your balance drops below a safe threshold
- Reverse Target Planner works backward from a cash goal to the monthly number required
The 13-Week CFO Cash Flow Forecaster
Stop assuming invoices get paid instantly. Forecast your true cash position across the next 13 weeks using realistic collection-lag logic.
- 3-Way Scenario Toggle to test Best, Base, and Worst-Case cash outcomes
- Built as a polished, repeatable tool for founders and consultants
- No subscriptions or software to learn
Budget vs. Actual Variance Tracker
Know within minutes exactly where your business is over or under budget before it impacts your cash flow.
- Instant variance flags automatically highlight spending leaks in red and green
- Compare planned monthly targets against real revenue and operational expenses side-by-side
- Pre-built calculation rows give corporate-level budget oversight
The Startup Burn Rate & Runway Tracker
Stop relying on a stale runway number. Track your burn multiple and cash runway every month, and know the exact moment to start fundraising.
- Calculates Burn Multiple automatically — the metric investors actually screen on
- Model a hire or a cost cut and see the runway impact before you commit
- Fundraising Red Zone alert flags the month you should start raising
SaaS Metrics Dashboard
Revenue growth alone doesn't tell you if a SaaS business is healthy. This calculates the metrics investors actually screen on — automatically.
- Real LTV:CAC ratio, CAC Payback Period, and Rule of 40 — calculated from your actual churn, not a guess
- Logo vs. Revenue Churn tracked separately, because they tell very different stories
- A benchmarks guide explaining what a healthy number actually looks like at every metric
Owner's Pay & Reasonable Compensation Calculator
If you're an S-Corp owner paying yourself mostly in distributions, that's not a clever tax strategy — it's one of the most common audit triggers there is.
- A Safe Draw Calculator showing the maximum you can pay yourself without straining cash
- An S-Corp Reasonable Compensation Estimator with an automatic audit risk flag
- A compensation guide covering what the IRS actually looks at
Business Debt Payoff & Refinance Tracker
A lower interest rate can still be a losing deal once closing costs are factored in. Know your real break-even before you refinance.
- Automatic Avalanche and Snowball payoff ranking for every business debt
- A real amortization-based Refinance Break-Even Calculator — monthly savings, break-even month, lifetime interest saved
- A guide covering the fine print worth checking before you sign anything
Grant / SBA Loan Application Financial Packet Builder
Most business owners either pay an accountant several hundred dollars to assemble a loan packet, or spend hours guessing the right format under deadline pressure.
- Every document a lender asks for — Use of Funds, 3-Year Projections, Personal Financial Statement, Debt Schedule
- Automatic reconciliation checks and the Debt Service Coverage Ratio underwriters check first
- A one-page Packet Summary Dashboard — exactly what a loan officer sees when they open your file
The Subscription & Expense Audit Tool
Stop losing money to hidden subscriptions. Find exactly where your cash is leaking and uncover $40–120 a month in hidden savings in under 15 minutes.
- Automated tracking of exact monthly and annual recurring overhead
- Automatically highlights paid tools you fund but no longer use
- Entirely guided spreadsheet built for zero-formula users
The Break-Even & Pricing Calculator
Know exactly how many units you need to sell to stop losing money and protect your margins automatically.
- Built-in safety logic automatically factors in the SBA's recommended 10% cost buffer
- See in real-time exactly how a price change or discount moves your break-even line
- Profit-gap flags clearly highlight when your expected sales volume runs in the red
The Multi-Department Cost Allocator
Stop guessing which department is actually profitable. Split shared costs fairly across teams in minutes, without paying for an enterprise expense platform.
- Automatically splits shared costs by headcount, square footage, revenue, or an equal split
- Live department names sync across every tab the moment you rename one
- Includes a plain-English guide for choosing the right allocation method every time
The True Profit & Break-Even ROAS Calculator
Stop trusting a ROAS number that doesn't know your real costs. See your true break-even ROAS and real profit per order, SKU by SKU.
- Calculates the exact ROAS each product needs to hit before it's profitable
- Includes COGS, shipping, payment fees, and returns — not just ad spend and revenue
- Per-SKU breakdown shows which products can support aggressive ad spend
Job Costing & Trade Profitability Tracker
Most contractors find out a job lost money three weeks after the crew's already moved on. Know it while the job is still running.
- Real-time risk flags per job — Loss, Thin Margin, On Target, or Strong Margin
- A dedicated Change Order Log that flags unsigned 'verbal only' change orders
- Every job ranked worst-to-best so you always know what needs attention first
Inventory Reorder Point & COGS Tracker
Know exactly when to reorder each SKU before you stock out — and your true margin per unit — without a $40-300/month inventory platform.
- Automatic reorder point calculation from your real sales pace and lead time
- A reorder priority list sorted by days-until-stockout
- True landed cost (unit cost + freight) drives every margin calculation, not just invoice price
Client & Project Profitability Tracker
Your biggest client on paper might be your least profitable one in reality. Know your real effective hourly rate, not just what you billed.
- True effective hourly rate calculated per client, once every cost is counted
- A dedicated scope creep detector that flags clients running 20%+ over contracted hours
- Every client ranked worst-to-best by margin, automatically
Restaurant Prime Cost Tracker
A full dining room doesn't mean you're making money. Prime cost does — and it moves faster than any other number on the P&L.
- Daily Food Cost %, Labor Cost %, and Prime Cost % calculated automatically, with risk flags
- A Front-of-House vs. Back-of-House labor breakdown that pinpoints exactly why a bad day happened
- Every day ranked worst-to-best so you know where to look first
The Accounts Receivable & Collections Tracker
Know exactly who owes you money, how late they are, and what to do about it before it becomes a cash flow crisis.
- Automatically buckets overdue accounts into standard 30, 60, and 90-day tracking windows
- Calculates key collection efficiency metrics automatically
- Includes pre-written email and phone templates to collect what you are owed
The 1099 Contractor Payment & Threshold Tracker
Stop missing a state filing hiding under the new federal 1099 threshold. Track every contractor against both numbers automatically, all in one place.
- Flags contractors who cross their state's 1099 threshold even when they're under the new $2,000 federal bar
- Tracks W-9 status so you're never scrambling to file in January
- Includes a 2026 threshold guide explaining exactly what changed and why
The Sales Tax Economic Nexus Tracker
Stop finding out you've crossed a sales tax threshold when a state notices for you. Track revenue against every state's limit before it becomes a filing problem.
- Auto-sorted priority list shows exactly which states you've crossed but haven't registered in
- Built around the 2026 shift to a simple $100,000 revenue-only threshold in most states
- Includes a practical guide on what to do the moment a state turns red
The Quarterly Estimated Tax Payment Tracker
Stop relying on a one-time calculator that goes stale the day you use it. Track your actual safe harbor payments across all four quarters, automatically.
- Calculates your exact safe harbor target, including the 110% rule for higher earners
- Tracks cumulative progress and flags any quarter that falls behind
- Includes a guide to how the underpayment penalty is actually calculated
Resources
Guides pulled from inside our tools, on the concepts that matter most right now.
Why 13 Weeks Is the Right Forecasting Window
A month-out view hides the short-term gaps that actually sink a business. A rolling 13-week forecast catches them early enough to act.
Tax & ComplianceThe 2026 1099 Threshold Change, Explained
The federal reporting threshold moved from $600 to $2,000 — but most states didn't move theirs. Here's what that gap means for you.
FundraisingWhat Investors Actually Look At: Burn Multiple
Raw runway tells an investor little about efficiency. Burn Multiple — net burn divided by net new ARR — is the number that does.
Sales TaxEconomic Nexus in 2026: What Changed
Most states have converged on a flat $100,000 revenue threshold. Here's what crossing it actually obligates you to do next.
PricingBreak-Even Isn't Just One Number
Your break-even point moves every time your costs or pricing do. Building a 10% buffer in from the start avoids a nasty surprise.
Cost AllocationChoosing the Right Allocation Basis
Headcount, square footage, revenue, or an equal split — the method you choose changes which department looks profitable.
Frequently Asked Questions
What format are these tools delivered in?
Every tool is delivered as a working Excel file (.xlsx) that also opens cleanly in Google Sheets. All formulas, formatting, and charts are fully functional in both — no add-ons or plugins required.
Do I need to know Excel or Google Sheets well to use these?
No. Every tool includes a guided "Start Here" tab with step-by-step instructions, and a clear color system (yellow cells for your inputs, white cells are calculated automatically) so you always know exactly what to enter and what to leave alone.
Is this a subscription?
No. Every Platform20 tool is a one-time purchase. You own the file outright and can use it for as long as you'd like, with no recurring fees.
What's your refund policy?
All sales are final. Because every tool is a digital product delivered instantly and in full, and because every listing includes detailed screenshots of every tab before you buy, you can review exactly what you're getting before purchasing — so we don't offer refunds after delivery.
Can I use these for multiple businesses or clients?
Each purchase is licensed for use within a single business. If you're a consultant, bookkeeper, or advisor looking to use our tools across multiple clients, reach out and we can discuss options.
Are these tools kept up to date with current rules and thresholds?
Yes. Tools tied to specific thresholds or rules (like our 1099 and Sales Tax Nexus trackers) are built around the current year's requirements and noted accordingly. Always confirm your specific situation with a tax or financial professional before filing.
Is this tax, legal, or financial advice?
No. Our tools are organizational and planning aids designed to help you track and understand your numbers. They are not a substitute for advice from a licensed accountant, tax professional, or financial advisor.