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Working record · Free browser tool

Business Spending Planner.

Give every cost a business reason.

Examples & saved work ↓

The supplier bill. The money you covered yourself. The job that pays later.

Keep the records straight and the next decision visible. For a first customer order, a side business taking shape, or the everyday commitments of an established business.

Read the business-spending guide ↗
What to bring
Supplier costs, payment dates, amounts paid by the business or an owner, recurring commitments and any customer work those costs support.
What you keep
A spending book, owner-payment history, renewal reviews and job-funding timelines. Use it when costs need decisions and context beyond a simple cash log.
Keeping & returning
Download the editable JSON book after changes and reopen it here. Text and PDF copies are for reading. Entries do not automatically synchronize with other tools.
Reading, related tools & help

These links open in a new tab so you can keep this workspace open. An ordinary link does not transfer your entries.

Read the guide

Make business spending easier to act on.

Keep supplier costs, owner payments and commitments in view.

Choose related work

  • Cash Timing Planner

    For the receipts and payments ahead. Map eight weeks, see where cash may run short, and compare a change in timing.

  • Freelancer Money Tracker

    Log payments and costs, review the year by month, and plan a reserve using your own percentage.

Find outside help

Explore understanding cash and financial performance

Compare relevant resources and services by what they offer, their cost and how you can use them.

Using saved information in another tool
  • Job Cost & Profit Review

    Open this tool and use its source-file review to choose a supported editable download. The imported information is a separate copy; later changes do not synchronize.

  • Owner Overview

    Open this tool and use its source-file review to choose a supported editable download. The imported information is a separate copy; later changes do not synchronize.

Start with the situation you recognize.

Explore a worked example separately, or start your own book with empty fields. Your records stay untouched when you read examples.

The job pays later.

Materials cost 600 before the customer’s 900 balance arrives. See the gap while there is still time to discuss it.

I covered it myself.

An owner pays 200 toward a 600 bill. The business returns 50. Keep the supplier balance and owner balance separate.

Is this still useful?

A 29 monthly commitment costs 348 a year. Review use and benefit before the next renewal.

The JSON book restores entries and history here. PDF and text copies are for reading.

Correct the recorded cost.

The previous details and your reason stay in the history. Payments remain separate. This corrects the record; use the appropriate accounting documents for genuine credits or refunds.

Keep your open draft?

Continuing will discard your unsaved changes. You can return to the draft and save or download it first.

Inside a real tool

The Cash Timing Planner

A screenshot from the working planner, using fictional figures. This example starts with $2,000, reaches a low of $300, and ends the eight weeks at $900.

Swipe across the preview to read the details.

Eight-week cash balance chart from October 1 to November 25, 2026. The lowest balance is $300; the expected end balance is $900. The dotted line marks the example's chosen $500 cash level.

The full tool lets you enter receipts and payments, try a change, and keep an editable copy.