Quarterly

For freelancers & side hustlers

Know exactly what to set aside before the tax bill lands.

Quarterly is a spreadsheet that tracks every dollar you invoice, every expense you write off, and tells you — this week, not next April — how much of your money isn't actually yours.

See pricing — from $39What the course covers

Spreadsheet kit $39 · Kit + 12-lesson course $79 · One payment, yours forever.

Or try the free set-aside calculator

  • Works in Excel & Google Sheets
  • No subscription
  • No bookkeeping degree
The Quarterly dashboard: income received, expenses, net profit, profit margin, take-home after tax and average days to get paid. Sample data.

Freelance income is lumpy. Tax deadlines are not.

You guess at what to set aside, then hope it was enough.

Your expenses live in three apps, a shoebox, and your email.

Your accountant asks for a summary and you send a bank export.

The spreadsheet kit · $39

What's inside the kit

Income & invoice log

Log every invoice with client, date, amount and paid status. Chase what's outstanding without digging through email.

Quarterly tax set-aside

Set your rate once. Every payment you log tells you the dollar amount to move into your tax account that week.

Expense tracker with categories

Pre-built categories that map to how self-employment expenses are normally grouped, so nothing gets missed.

Year-end accountant summary

A single clean tab totalling income, expenses by category and tax already set aside. Print it, send it, done.

Inside the file

This is the actual spreadsheet.

Real tabs from the kit, filled with sample numbers for a made-up freelancer. Your copy comes with a few example rows so you can see how it works, then you replace them with your own.

The Quarterly dashboard: income received, expenses, net profit, tax set aside and outstanding invoices, with plain-English notes on what the numbers say. Sample data.
The Dashboard tab: twelve numbers and a few plain-English notes on what they mean, updated every time you log something.
Two charts from the Quarterly dashboard: income versus expenses by month, and quarterly profit versus tax set-aside. Sample data.
Charts on the same tab: monthly income against expenses, and profit against what you've set aside.
The Income and invoice log tab: date, client, description, invoice number, amount, paid status and quarter, with totals for invoiced, received and outstanding. Sample data.
The Income tab: one row per invoice, with unpaid ones flagged.
The Quarterly tax set-aside tab: income received, expenses, profit, the amount to set aside and a running total for each quarter. Sample data.
The Tax set-aside tab: the number to move into savings, quarter by quarter.
The Year-end summary tab: income, expenses by category, net profit and tax set aside, ready to send to an accountant. Sample data.
The Year-end summary: the one page your accountant asks for.

Built by an accountant who reads other people's books for a living.

I'm Josh Harmon. I have an accounting degree and 12+ years in agricultural finance, including 3.5 years as CFO of a farming operation, where I built the reporting that let a CEO and owners steer nine entities against an $85M operating budget. I know what a set-aside that actually reconciles looks like — and what it looks like when nobody kept one.

Quarterly is the same idea, scaled down to one person: the system I'd hand a friend who just started freelancing. One setup tab, then log what comes in and what goes out. Everything else calculates itself. It is not a pretty grid with a few sums in it.

Josh Harmon

Accountant · Ag finance · PapaSpuds LLC

Connect on LinkedInpapaspudsllc@gmail.com
  1. 1Open the file and set your tax rate and start month.
  2. 2Log income as you get paid and expenses as they happen.
  3. 3Read the set-aside figure and move that amount.
  4. 4Send the year-end tab to your accountant.

The course · included in the $79 bundle

Bookkeeping & taxes for the self-employed.

Twelve short, plain-English lessons that take you from setting up the business to filing the return. Each one ends with a “Do this now” checklist, so you finish with your books actually done, not just a page of notes.

  • Freelancer and trades/contractor examples side by side
  • 5 templates: chart of accounts, mileage log, job cost sheet, cash flow, compliance calendar
  • Links to official IRS sources for current figures
  • Read in any browser. No account or app needed
Get the bundle — $79
  1. 01

    Setting up the business right

    Pick a structure, get an EIN and separate business money from personal.

  2. 02

    Accounting fundamentals

    Income, expenses, assets and liabilities, and cash vs. accrual in plain English.

  3. 03

    Record keeping systems

    A weekly bookkeeping routine and a receipt system you'll actually keep up.

  4. 04

    Project & job costing

    Know what every project or job really costs, and price for profit.

  5. 05

    Invoicing & cash flow

    Deposits, progress billing, client contracts and a simple cash flow forecast.

  6. 06

    Hiring help

    W-9s, 1099s, contractor vs. employee, and what payroll involves.

  7. 07

    How you're taxed

    Self-employment tax, income tax and the QBI deduction, with a worked example.

  8. 08

    Deductions

    Vehicles, tools and equipment, depreciation and the home office.

  9. 09

    Tax planning

    Quarterly estimates, safe harbor, retirement accounts and when an S corp makes sense.

  10. 10

    Filing step by step

    Schedule C, Schedule SE, 1099s and the deadlines that matter.

  11. 11

    State & local taxes

    Sales and use tax, licensing and staying compliant where you work.

  12. 12

    Reading your financials

    Read a P&L and balance sheet, track a few key numbers, and know when to get help.

Pricing

Pick the tool, or the tool and the know‑how.

The kit does the math. The course explains why the math works and what to do with it, from setting up the business to filing.

The Quarterly kit

$39

One payment. No subscription.

  • Income & invoice log
  • Expense tracker with categories
  • Quarterly tax set-aside calculator
  • Year-end accountant summary
  • Free updates to the file
Best value

Kit + Course bundle

$79

One payment. No subscription.

  • Everything in the Quarterly kit
  • The Quarterly Course: 12 short lessons
  • Record keeping, pricing, write-offs & quarterly taxes
  • A short "Do this now" checklist after every lesson
  • 5 templates & checklists: mileage log, job cost sheet, cash flow & more
  • Notes for trades & contractors included

Secure card checkout · instant access after payment · 14-day money-back guarantee

Questions

Not ready yet?

Leave your email and I'll send you a note when the kit or the course is updated.

Or try the free set-aside calculator