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Accounting Spreadsheets and Excel Templates for small and growing businesses ...
Accounting Spreadsheets and Excel Templates for small and growing businesses ...


Free Cash Flow Forecasting Spreadsheet ...

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If you need a simple Cash Flow Spreadsheet for your business, then why do try our popular free product.
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Mr.SpreadSheet  - Accounting Spreadsheets

How it all started ...

As a practising accountant I am used to helping small businesses get to grips with the essentials of bookkeeping and financial management.

One of the first questions new clients would ask is ‘Which accounting software should I buy’?

However, for many Small Business and Start Ups, most proprietary software is ‘overkill’. The products are too confusing and too difficult to set up and manage.

There was a need for a low cost, easy to use alternative.
Originally, I designed a simple one page spreadsheet that recorded the essential monthly information I needed as an accountant. I gave this to clients, which, they duly completed and returned to me.

It worked well, a simple tool to solve a basic need.

The MrSpreadsheet range of small business accounting software evolved from this.

See the range of Accounting Spreadsheets at
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MrSpreadSheet' s Accounting Software - Who needs it ?

Potential customers often email me for advice on the suitability of our product range for their businesses.

So, in this short article I thought that some rough guidelines  might help.

Our accounting spreadsheets are designed for  small businsses and  'Not for Profit' Organisations.

The MrSpreadSheet Accounting Software range caters for VAT, Flat Rate VAT and non VAT Registered businsses.

Typically our users would have up to 100 transactions per month.

Most customers ask for ' Simplicity and Ease of Use', they generally consider Sage and similar products as ' too complicated '.

Our Accounting Spreadsheet range includes a version for experienced bookkeepers (the PLUS range), a version  with reduced functionality but ideal for those wanting  a simpler solution (the EASY range) and finally a version for those using the CASH Accounting scheme (the CASH Accounting range).

A high percentage of our users want to ' Just get on with it ' they do not like complicated set up routines and masses of unecessary data.  They want to just record bank and financial transactions and have simple financial reports.  They need to know that the data produced is accurate and reconcilable.

Our accounting software is designed using Excel, customers like the familiarity and functionality of this platform, and because its a spreadsheet, it is easily portable, it is easy to backup and take FULL copies and it is  easy to use and understand.

Finally, don't forget that Mr.Spreadsheet is a  practising accountant and is able to provide a unique level of  help and support.

visit our website at
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Ideal for a Mr.Spreadsheet accounts program …

I have been running two small businesses which are only a few months old, and I need to get the accounts in order. I've hired an accountant who basically just told me to get the expenses & income to him in any way I like, and he'll sort it out.

I'm wondering, what's the best way to keep these organised? My accountant suggested I just write everything in a speadsheet and send it to him, but is there any benefit to using some sort of accountancy software?

I don't have a massive number of things going on, I have maybe 10-20 entries/month in terms of number of expenses / incoming payments.

My concerns are basically, having all the data organized, and also being able to continue in case I change my accountant.
Extracted from a posting on and relevant for all potential accounting spreadsheet users.
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What Accounting Year End dates should I use for small new self-employed business …
Daniele asks this common question we get from users.
Hello there,
I bought your spreadsheet few weeks back, but just now I found the time to start using it. I am a small start-up sole trader. The business was created on the 17th of February 2014.
The question that we have, is what should I put as accounting year start and end?
Thanks you so much for your help. At the moment I am like a fish out of the water, got stopped by probably a very simple issue.

Mr.Spreadsheet replies …
The choice of accounting year end dates is one of the first decisions you will need to make once you become self-employed.
Obviously, you should consult with your accountant, but in general terms your first accounting period will be from the date of commencement [17th February 2014] in your case until the end of the fiscal year. This would be 5th April 2014.
You can then choose to follow fiscal years [6th April 2014 to 5th April 2015], this is the simplest option, or you could choose some other year end date.
Generally speaking if your profits are rising then you should opt for a year end EARLIER in the fiscal calendar, as you will pay tax on a lesser sum in the early years of your business.
A good guide to the whole issue can be found on the StartUpDonut website.
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Paying too much tax …

This interesting article from Accountancy Age.

AROUND 5.5 MILLION PEOPLE have paid the wrong amount of tax, with a significant number facing further payments to HM Revenue & Customs in order to make up the difference, according to numbers revealed by the taxman.

An estimated 3.5 million paid too little tax through PAYE in 2013/14 and will now have to pay back in future years, despite the introduction of real-time PAYE (RTI). Some two million overpaid and will be able to reclaim their money from HMRC. The 5.5 million errors HMRC is estimating for 2013/14 is higher than last year's 5.2 million.

A reduction in reconciliation is the long-term aim for RTI, but its staggered introduction has meant its impact has been limited. However, according to HMRC, the value of the average underpayment and overpayment has fallen by £50 in comparison to last year.

A spokesman for HMRC said: "There will always be end-of-year reconciliation due to the way PAYE works. Most people pay the right tax throughout the year, but there will always be a small percentage of the 41 million people in PAYE who have underpayments or overpayments at year end. This could be because they have moved jobs, received a number of different sources of income or received benefits-in-kind that were only reported at the end of the year.

"The effect of RTI is not reflected yet as it has not bedded in but, over time RTI will help to reduce the number of cases that have to be reconciled. The estimates quoted for reconciliations in 2013/14 are based upon actual reconciliation numbers in 2012/13. We do not yet know what effect RTI will have had on reconciliations for 2013/14. As we adopted a staged process for employers using RTI, some will not have used RTI for the full tax year. We will not be able to measure any effect on reconciliations for 2013/14 until the end of this tax year (2014/15).That said, early indications show that processing is in line with our expectations."
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Growth, Productivity and Interest Rates …

Extracted from

Britain’s economy will grow at a faster pace than all the other leading industrial nations in 2014, the International Monetary Fund said, and suggested interest rates will start to rise in 2015.
The IMF charts showed it expects base rate to start rising at a gentle pace and more slowly than in the United States.
Invesco chief economist John Greenwood said that while recovery was on track in the UK, the pace of growth was unlikely to accelerate much. He added: 'In my view there is still ample spare capacity in the economy and in the labour force for further increases in output, and with money and credit growth having been very subdued for a long period of time the inflation risks are very low at present.'
The most recent Bank of England credit conditions survey - covering the first three months of the year - showed conditions improving for both companies and households, yet there are still concerns over rates and fees being imposed on small and medium-sized firms.
The sticky nature of lending to small to mid-sized firms and concerns remaining over household finances' resilience are a key driver in the Bank's desire to keep base rate lower for longer.
Productivity is the key
Economists are also looking to productivity as the bank identified spare capacity in the economy as a reason for keeping rates down. Figures showed output per hour falling 0.4 per cent overall in 2013, compared to a 1.6 per cent drop on 2012, while output per worker rose by 0.4 per cent last year, compared to a 0.8 per cent dip the year before.
Howard Archer, chief European and UK economist at analysts IHS Global Insight, explains: 'The extent to which the weakness in the UK’s productivity has been structural rather than cyclical has vital implications for the economy’s growth potential and for policy.
'If productivity fails to pick up appreciably over the coming quarters, it indicates that the economy has less potential to grow without generating inflationary pressures and that interest rates will need to rise at an earlier stage and likely at a faster rate than currently envisaged. The more that productivity improves, the greater the scope of the Bank of England to keep monetary policy very accomodative.
The Bank of England is currently assuming that productivity will pick up only gradually.'

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