P&L, balance sheet, cash flow and ratios.
No numbers handy? Fill this from bank statements.
For Jan 1, 2025 – Dec 31, 2025
| RevenueAll the money customers paid you for what you sell. Also called sales. | $0.00 |
|---|---|
| Cost of goods soldWhat the things you sold cost you to buy or make: stock, ingredients, materials. | $0.00 |
| Gross profitSales minus what the things you sold cost you. What is left to pay rent, wages and everything else.Revenue − cost of goods sold | $0.00 |
| Total running costsDay-to-day costs of keeping the business open, added up. | $0.00 |
| EBITDAProfit from running the business, before loan interest, tax and wear-and-tear on equipment. Lenders and buyers use it to compare businesses.Gross profit − running costs | $0.00 |
| Depreciation and amortizationSpreading the cost of equipment (and things like software licences) over the years you use them. It is a cost on paper; no cash leaves that year. | $0.00 |
| Operating profitProfit from running the business, before loan interest and tax. Also called EBIT.EBITDA − depreciation. Also called EBIT. | $0.00 |
| Interest | $0.00 |
| Profit before taxWhat is left after every cost except income tax.Operating profit − interest + other income | $0.00 |
| Income tax | $0.00 |
| Net profitWhat is left after every cost. The bottom line.Profit before tax − income tax | $0.00 |
Enter your sales to start.
Enter your figures once for a profit and loss, a balance sheet, a cash flow statement and the key ratios, as one PDF.
The profit and loss (income statement) shows whether you made money over a period. The balance sheet shows what the business owns and owes on one day. The cash flow statement shows where cash actually came from and went, which is why a profitable business can still run short of cash.
No. Fill in only the profit and loss for a P&L on its own. Add the balance sheet for the ratios lenders check, and the start-of-period balance sheet (or mark it a new business) for the cash flow statement.
Earnings before interest, taxes, depreciation and amortization: profit from day-to-day operations before financing, tax and wear-and-tear on equipment. Lenders and buyers use it to compare businesses. It is shown on the profit and loss as soon as you enter sales and costs.
As total assets minus total liabilities, so the balance sheet always balances. On the cash flow statement, any change in equity that net profit does not explain is shown as money the owners put in or took out.
Yes. Upload them to the bank statement analyzer, then choose Make full financial statements under its profit and loss. The sales and costs carry over here for you to check.
No. It is prepared from the figures you enter. Have an accountant review it before you rely on it for a loan, investor or tax filing.