๐Ÿ’ฐ Financial & Accounting Tools

Know your margins: Use the margin calculator to understand your true profit after all costs are factored in.
Track loans carefully: Enter all loan details including interest rates and terms for accurate payment calculations.
Monitor cash flow: Project income and expenses to ensure you always have enough working capital.
Calculate depreciation: Use proper depreciation methods to understand true asset values and tax implications.

๐Ÿ“Š Cash Flow Forecaster

๐Ÿ“ค Export Cash Flow Forecast

Starting Balance

$0

Projected (6 months)

$0

Monthly Inflow

$0

Monthly Outflow

$0

Starting Position

Add Recurring Item

Recurring Items

Description Type Amount Frequency Actions

Cash Flow Projection

Monthly Breakdown

๐Ÿ’ณ Expense Tracker

๐Ÿ“ค Export Expense Report

Total Expenses

$0

This Month

$0

This Year

$0

Top Category

-

Add Expense

Expense by Category

Expense History

Date Description Category Amount Payment Actions

๐Ÿ“ˆ Break-Even Calculator

๐Ÿ“ค Export Analysis

Product/Service Details

Break-Even Analysis

Break-Even Units

0

Break-Even Revenue

$0

Contribution Margin

$0

0%

Profit at Different Volume Levels

Units Sold Revenue Total Costs Profit/Loss Margin %

Break-Even Chart

๐Ÿ’ฐ Quote/Estimate Generator

๐Ÿ“ค Export Quote

Business Information

Client Information

Line Items

QUOTE

From:

To:

Item Quantity Price Total

Subtotal: $0.00

Discount: $0.00

Tax: $0.00

Total: $0.00

๐Ÿ“‰ Budget vs Actual Tracker

๐Ÿ“ค Export Budget Report

Total Budget

$0

Total Actual

$0

Variance

$0

Utilization

0%

Add Budget Category

Budget Performance

Budget Details

Category Budget Actual Variance % Used Status Actions

Variance Analysis

Related Tools

๐Ÿงพ Invoice Builder

Create invoices and track revenue

๐Ÿ“Š Profit/Loss Builder

Build comprehensive P&L statements

๐Ÿงพ Receipt Scanner

Digitize receipts for expense tracking

๐Ÿ’น Product Profitability Analyzer

Analyze product margins and profitability

๐Ÿ“ Small Business Accounting

Essential accounting tips for small businesses

๐Ÿ“ Cash Flow Management

Master your business cash flow

Related Tools & Resources

Invoice Generator Profit & Loss Builder Product Profitability Payroll Calculator Receipt Scanner

From the blog:

โ†’ Small Business Accounting Guide โ†’ Cash Flow Management Tips โ†’ Tax Deductions for Small Business โ†’ Business Budget Planning Guide

Compare: BizziKit vs MYOB ยท BizziKit vs Xero ยท BizziKit vs Wave

Why Use BizziKit's Free Accounting Tools?

For Sole Traders

Record income and expenses, categorise transactions, and build a simple budget without wading through enterprise accounting software. Import bank CSV statements to bulk-categorise a month of activity in minutes.

For Small Business Owners

Forecast cash flow, check break-even points, and issue quotes to prospective clients from one toolset. Expense categories make it easy to identify cost drivers and plan for tax time.

For Bookkeepers & Consultants

Run quick break-even and cash-flow scenarios for clients without logging into their paid accounting platform. Export the results as PDF or CSV to attach to a discovery report or proposal.

No Monthly Subscription

Xero starts at $16/month, QuickBooks Online at $12/month, and MYOB Business at $13/month. BizziKit covers day-to-day expense tracking, cash-flow forecasting, break-even, budgets, and quotes with no fee.

Frequently Asked Questions

Can I import a bank statement?

Yes. The CSV import tool auto-detects common column layouts โ€” Date, Description, Amount, or separate Debit/Credit โ€” so you can drop in a file from your bank and review the parsed expenses before saving them to your ledger.

How does cash-flow forecasting work?

Enter opening balance, expected income, and planned expenses across the forecast period. The tool projects a running balance month by month so you can identify shortfalls or surpluses before they happen.

Can I calculate break-even?

Yes. Enter fixed costs, variable cost per unit, and sale price. The break-even calculator returns the units and revenue required to cover costs, with a chart visualising revenue versus total cost across quantity ranges.

Is this suitable for tax-time reporting?

The accounting tools help you track expenses and categorise them for review. For filing, export categorised expenses as CSV and hand them to your accountant, or pair with the Profit & Loss builder for a full P&L statement.

Can I create quotes for clients?

Yes. The quote builder produces a branded quote with line items, taxes, and validity period, and exports to PDF. When the client accepts, carry the same details into the Invoice Builder for billing.

Where is my financial data stored?

Entirely in your browser's localStorage. Income records, expenses, budgets, and quotes never leave your device. For safety, use the dashboard's export feature to save a JSON backup to your chosen folder.

How does this compare to Wave, Xero, or QuickBooks?

Wave offers a free tier but limits payments and reporting. Xero ($16/mo), QuickBooks Online ($12/mo), and MYOB Business ($13/mo) are paid. BizziKit focuses on the day-to-day forecasting, expense tracking, budgeting, and quoting tools a small operator actually needs โ€” free and offline-capable.

Can I change the default currency?

Yes. BizziKit supports 20+ currencies including USD, EUR, GBP, AUD, CAD, NZD, JPY, and INR. Set your default in your profile and it applies across the accounting, invoicing, and profit tools automatically.

Related Tools

๐Ÿ“Š Profit/Loss Builder

Turn expenses and income into a P&L

๐Ÿงพ Invoice Builder

Convert accepted quotes into invoices

๐Ÿงพ Receipt Scanner

OCR paper receipts into expenses

๐Ÿ’ต Payroll Calculator

Estimate wage costs and tax withholdings

๐Ÿ“Š Dashboard

Review key financial metrics at a glance