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Thesius Code

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Small Business Financial Dashboard

#excel #productivity #automation #data

Small Business Financial Dashboard

A comprehensive financial management spreadsheet with Profit & Loss statement, cash flow tracker, balance sheet, and financial forecasting. Features automated charts, KPI indicators, and month-over-month trend analysis — built for small businesses doing $100K–$10M in annual revenue.

Key Features

  • Profit & Loss Statement — revenue, COGS, gross margin, operating expenses, net income with monthly columns
  • Cash Flow Tracker — operating, investing, and financing activities with running balance
  • Balance Sheet — assets, liabilities, equity with automatic balancing validation
  • Financial Forecasting — 12-month projections based on historical trends and growth assumptions
  • KPI Dashboard — gross margin %, net margin %, burn rate, runway, current ratio, quick ratio
  • Automated Charts — 8 pre-built charts (revenue trend, expense breakdown, cash runway, P&L waterfall)

What's Included

Sheet Tab Description
Dashboard Executive summary with KPI cards and trend charts
P&L Monthly profit & loss with 12-month history and YTD totals
Cash Flow Cash flow statement with categorized inflows/outflows
Balance Sheet Assets, liabilities, and equity with auto-balance check
Transactions Raw transaction log with category tagging
Forecast 12-month forward projections with adjustable assumptions
Charts 8 automated charts pulling from all financial tabs
Config Fiscal year settings, category definitions, chart preferences

Quick Start

  1. Set your fiscal year start month in the Config tab
  2. Enter your chart of accounts categories in the Config tab (or use defaults)
  3. Log transactions in the Transactions tab — they auto-populate the P&L and Cash Flow
  4. Review the Dashboard for KPI summaries and trend charts
  5. Adjust growth assumptions in the Forecast tab for forward projections

Formula Examples

Gross Margin Calculation 

=IF(B5>0, (B5-B12)/B5, 0)
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  • B5 = Revenue, B12 = Cost of Goods Sold

Monthly Net Income (P&L) 

=SUMIFS(Transactions!$D:$D, Transactions!$B:$B, ">="&DATE(YEAR(B$3),MONTH(B$3),1),
  Transactions!$B:$B, "<"&EOMONTH(B$3,0)+1, Transactions!$C:$C, "Revenue")
- SUMIFS(Transactions!$D:$D, Transactions!$B:$B, ">="&DATE(YEAR(B$3),MONTH(B$3),1),
  Transactions!$B:$B, "<"&EOMONTH(B$3,0)+1, Transactions!$C:$C, "Expense")
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Cash Runway (Months Remaining) 

=IF(AvgMonthlyBurn>0, CurrentCash/AvgMonthlyBurn, "N/A")
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Current Ratio 

=TotalCurrentAssets / TotalCurrentLiabilities
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YoY Revenue Growth 

=IF(OFFSET(B5,0,-12)<>0, (B5-OFFSET(B5,0,-12))/ABS(OFFSET(B5,0,-12)), "N/A")
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Balance Sheet Validation (Must Equal Zero) 

=TotalAssets - TotalLiabilities - TotalEquity
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  • Dashboard shows ✅ if this equals 0, ❌ if not

12-Month Revenue Forecast (Linear Trend) 

=FORECAST(B$3, OFFSET(P_L!$B5,0,0,1,12), OFFSET(P_L!$B$3,0,0,1,12))
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Operating Expense Ratio 

=SUMIFS(Transactions!$D:$D, Transactions!$C:$C, "Expense") / SUMIFS(Transactions!$D:$D, Transactions!$C:$C, "Revenue")
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  • Healthy small businesses target <0.80 (80 cents of expense per dollar of revenue)

Quick Ratio (Acid Test) 

=(Cash + AccountsReceivable + ShortTermInvestments) / CurrentLiabilities
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  • Target: >1.0 means you can cover short-term obligations without selling inventory

Monthly Burn Rate 

=AVERAGE(OFFSET(CashFlow!$D$5, 0, 0, COUNTA(CashFlow!$D:$D)-1, 1))
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  • Average monthly cash outflow over available months

Usage Tips

  • Transaction Entry: Use the category dropdown in column C of Transactions — categories feed directly into P&L line items
  • Multi-Currency: Enter all values in your base currency; there's a conversion helper in the Config tab
  • Accrual vs. Cash: Toggle between accrual and cash basis accounting in Config cell B8
  • Chart Updates: Charts auto-refresh. If they look stale, re-open the sheet or press Ctrl+Shift+F9
  • Break-Even Analysis: The Forecast tab includes a break-even calculator — enter fixed costs and contribution margin

Best Practices

  1. Enter transactions weekly — batch entry reduces errors vs. monthly catch-up
  2. Reconcile monthly — compare your Balance Sheet totals to bank statements
  3. Review the Dashboard first — the KPI cards highlight problems before they become crises
  4. Use the validation row — the Balance Sheet has a built-in check row; if it shows non-zero, something's wrong
  5. Archive annually — duplicate the file at fiscal year-end; start fresh with opening balances carried forward

This is 1 of 11 resources in the Spreadsheet Tools Pro toolkit. Get the complete [Small Business Financial Dashboard] with all files, templates, and documentation for $39.

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