Most small business owners look at their bank balance and hope. This kit gives you a one-page money dashboard you can build in any spreadsheet in 30 minutes, plus the tax paperwork discipline that keeps April from becoming a surprise. Inside: the dashboard layout — 14 rows from revenue to owner pay with the exact columns (this month, this quarter, year-to-date, target, status) and paste-ready formulas for profit margin, runway, tax set-aside percentage, and cash conversion days; a profit allocation system that splits every deposit across operating, tax, owner pay, and savings with default percentage bands by revenue stage (startup, stabilizing, scaling) and how to adjust them; the quarterly estimated tax worksheet — gross income, allowable deductions, self-employment tax math shown step by step, the two federal payment dates on a calendar you can pin, and a safe-harbor rule explained in plain English; a mileage log template with the fields the tax authority actually asks for plus the standard-deduction decision table; the home-office deduction chooser comparing simplified versus actual method with a break-even example; an expense category map with 45 common categories flagged deductible, conditionally deductible, or never — each with the record you must keep; sales tax tracking columns for multi-state sellers; a 20-line quarterly review checklist that turns the dashboard into decisions; a year-end tax-ready file checklist so your accountant stops emailing you in March; and a one-page emergency plan for when cash gets tight. No accounting software required — works with a notebook or any spreadsheet app. Written for freelancers, shops, creators, and service businesses under $500k revenue. Instant PDF download, personal-use lifetime license. Not legal or tax advice: rules vary by location; verify with a professional before filing.