Financial planning spreadsheet
A 12-month profit and loss budget for the Australian financial year, with automatic totals, margins, super and a break-even check.
An Excel workbook with an assumptions sheet, a July-to-June profit and loss budget and a break-even sheet. Enter monthly revenue and expenses (ex GST) and it calculates gross profit, gross margin, net profit, net margin, cumulative profit and the monthly sales you need to cover your fixed costs. Superannuation is calculated from wages using an editable super guarantee rate.
Format: XLSX · Version 1.0 · Updated 2026-11-06
How to use it
Build your annual budget before 1 July, then compare actual results each month. Works in Excel, Google Sheets, Numbers and LibreOffice.
Preview
| Line item | Jul | Aug | Sep | … | Full year |
|---|---|---|---|---|---|
| Total revenue | $40,500 | $41,220 | $41,954 | … | $536,647 |
| Total cost of goods sold | $16,640 | $16,973 | $17,312 | … | $223,177 |
| Gross profit | $23,860 | $24,247 | $24,642 | … | $313,470 |
| Gross margin | 58.9% | 58.8% | 58.7% | … | 58.4% |
| Superannuation (wages × 12%) | $1,140 | $1,140 | $1,140 | … | $13,680 |
| Total operating expenses | $18,090 | $18,090 | $18,090 | … | $217,080 |
| Net profit before tax | $5,770 | $6,157 | $6,552 | … | $96,390 |
Download Financial planning spreadsheet
Related articles
- Budgeting and forecasting – How to build an annual budget you will actually use, keep a rolling forecast that reflects what is really happening, and use the gap between the two to make better decisions each month.
- Profit and loss statements – How to read a profit and loss statement line by line, what gross margin and net margin are telling you, and how to use the P&L each month to find where the business is leaking money.
- Understanding profitability – Revenue is not profit. The difference between gross, operating and net profit, how margins and break-even work, why profitable businesses still run out of cash, and the levers that lift profit.