Free Small Business Budget Template
An annual operating budget for a small business, with revenue and cost lines by month, budget-versus-actual columns and variance calculated.
What's Included
- Revenue lines by stream, month by month
- Fixed and variable costs separated
- Budget, actual and variance columns per line
- Rolling annual total with year-to-date position
Prefer not to fill this in by hand? Create and send these straight from your books with financial reporting software.
How to Use
Customize
Add your business details, logo, and adjust line items to match your services.
Send
Email, WhatsApp, or SMS your invoice directly to your client with payment tracking.
Get Paid
Clients pay online via Stripe or Razorpay. HelloBooks tracks everything automatically.
Create This Invoice in HelloBooks — Free
No downloads needed. Create, customize, and send professional invoices in seconds. Free to start for basic bookkeeping.
Start FreeFrequently Asked Questions
How do I build a budget for a small business?
Start from last year actuals rather than a blank sheet, adjust for known changes in pricing, headcount and contracts, and split costs into fixed and variable so you can see what happens if revenue moves. Then compare against actuals monthly — a budget nobody revisits after January is an exercise, not a control.
How is a budget different from a cash flow forecast?
A budget plans revenue and expenses on an accrual basis, answering whether the business will be profitable. A cash flow forecast tracks money actually moving in and out, answering whether it can pay its bills. A profitable business can still run out of cash, which is why most businesses need both.
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