Shop stats are not the books. A solo seller still has four jobs: Etsy fees that turn a sale into net, invoices that age when a client is late, a P&L a tax preparer can read, and a 1099 log that keeps each gig labeled. AI drafts the memo and the SUMIFS. Excel or Google Sheets is the audit trail.
This is a buyer-intent map, not a QuickBooks replacement. Listing titles and Open API list prices come from the live Etsy Open API GET 2026-10-06. Shop announcement the same pull: 25% off every file through Oct 17. On this page that includes Etsy Seller Bookkeeping 4533025325, Freelancer Invoice Tracker 4483358185, Small Business Bookkeeping 4483358189, 1099 Income Tracker 4483585834, and the Small Business Bookkeeping Bundle 4535716354. Open API list prices remain $6.99 / $12.99; 25% of those lists is $5.24 / $9.74 (same checkout math as paid receipt #4193132188 on sibling Home Declutter 4483586050, 2026-10-04). Tab names come from the shipping Excel workbooks. ChatGPT and Claude vendor pricing pages were pulled 2026-09-30.
Disclosure: Jaceal LLC operates Smart Files Shop on Etsy. Seller-workbook links go to our listings. ChatGPT and Claude links go to the vendors. See our Affiliate Disclosure.
Now through October 7, 2026 — Amazon Prime Big Deal Days; shop files 25% off through October 17. Amazon’s Prime Big Deal Days runs October 6–7, 2026 (About Amazon, live 2026-10-06: “Prime Big Deal Days 2026 is officially here through October 7”; starts October 6 at 12:01 a.m. PDT; 48 hours). That is Amazon’s member sale. Our shop sale is separate: 25% off every file through October 17, 2026 (shop announcement, GET 2026-10-06). Etsy Seller Bookkeeping 4533025325 Open API list remains $6.99; 25% off that list is $5.24 (same checkout math as the 2026-10-04 paid receipt on sibling Home Declutter). Holiday volume still starts in October; more orders means more listing, transaction, and processing fees inside the deposit. Use the Order Log so net is a formula, not a payout screenshot. The IRS fourth estimated-tax period is September 1–December 31, 2026, due January 15, 2027 (IRS estimated-tax FAQ, fetched 2026-09-30).
| Job | Best stack | Cost | Why |
|---|---|---|---|
| Etsy profit after fees | Seller Bookkeeping | $5.24 (was $6.99) | Order Log fee math, Fee Calculator, Monthly P&L, COGS. Shop sale through Oct 17 |
| Unpaid invoices | Freelancer Invoice Tracker | $5.24 (was $6.99) | Invoice Log aging buckets, Client Directory, Monthly P&L. Shop sale through Oct 17 |
| Self-employed P&L | Small Business Bookkeeping | $5.24 (was $6.99) | Income_Sales, Expenses, Profit_Loss, Tax_Summary. Shop sale through Oct 17 |
| Multi-gig 1099 | Side Hustle Tracker | $5.24 (was $6.99) | Up to 6 hustles, Hours Log, effective hourly rate. Shop sale through Oct 17 |
| All three books | Bookkeeping Bundle | $9.74 (was $12.99) | Freelancer + small-business + Etsy seller in one download. Shop sale through Oct 17 |
The payout email is not a P&L. Listing fee, transaction fee, payment processing, and optional offsite ads come off the top before COGS. Dual-entry in a notebook fails when the fee rates change. The sheet should calculate fees from an editable rate reference, then roll the month.
Live listing: Etsy Seller Bookkeeping Spreadsheet | Fee Profit COGS Tax Tracker Excel Google Sheets — $5.24 (was $6.99) through October 17, 2026, listing 4533025325, state active, auto-renew on. Open API GET 2026-10-06 list price is still $6.99; shop announcement is 25% off every file through Oct 17. Instant 12-tab Excel + Google Sheets. Tabs in the shipping workbook: Start Here, Order Log, Expenses, Dashboard, Monthly P&L, Fee Calculator, Quarterly Estimated Tax, Sales Tax Collected, Mileage Log, Inventory & Supplies, Sample Data Guide, Leave a Review. Live listing guarantee (quote): “LOVE GUARANTEE (14 days): Message us if this isn't right — free fix, free small customization, or refund.”
Order Log is titled “Automatic Etsy Fee Math.” Columns include Order #, Date, Item, Qty, Sale Price, Shipping Charged, Order Total, Listing Fee, Transaction Fee, Processing Fee, Offsite Ads?, Offsite Fee, Total Etsy Fees, COGS, and Net Profit. The Fee Rate Reference on that tab ships with listing fee $0.20, transaction fee 6.5%, processing 3% + $0.25, and optional offsite ads 15% — labeled as editable so you can update formulas when Etsy changes rates. Etsy Help fetched 2026-09-30 still lists listing $0.20, transaction 6.5%, US processing 3% + $0.25, and Offsite Ads 15% (12% once a shop hits $10,000 in 365 days). Confirm current Etsy fees on Etsy’s own seller docs before you price a listing.
Fee Calculator answers two questions: “I know my sale price, show me my profit” and “I know my target profit, show me my price.” Expenses uses Schedule-C-aligned categories plus “+ Add your own category” rows. Sales Tax Collected tracks what Etsy collected and remitted by state. Quarterly Estimated Tax is a simplified 1040-ES-style worksheet; the tab itself says it is not tax advice.
After the month closes, paste fee totals and net only into ChatGPT or Claude for a three-sentence seller note. Do not upload the Order Log with customer names.
Get the Etsy Seller Bookkeeping Spreadsheet — $5.24 (was $6.99)
A folder of PDF invoices is not aging. Each invoice needs a row: client, dates, amount, status. Days Past Due and an aging bucket should move when you change the As Of date. Time on a project is not income until the invoice is paid.
Live listing: Freelancer Invoice Tracker Spreadsheet | 1099 Client Tax Log Excel Google Sheets — $5.24 (was $6.99) through October 17, 2026, listing 4483358185, active, auto-renew on. Open API GET 2026-10-06 list price is still $6.99; shop announcement is 25% off every file through Oct 17. Instant 13-tab Excel + Google Sheets. Tabs in the shipping workbook: Start Here, Dashboard, Client Directory, Project Tracker, Invoice Log, Income Log, Expense Log, Quarterly Estimated Tax, Time Log, Rate Calculator, Monthly P&L, Sample Data Guide, Leave a Review. Live listing guarantee (quote): “LOVE GUARANTEE (14 days): Message us if this isn't right — free fix, free small customization, or refund.”
Invoice Log is titled “Automatic Aging.” Mark status Paid when the payment lands; Days Past Due and Aging Bucket (Current / 1–30 / 31–60 / 61–90+) calculate from the Dashboard As Of date. Project Tracker supports Hourly or Fixed. Time Log pulls rate and amount from Hourly projects only. Expense Log is titled “Schedule C Categories” and says to confirm exact Schedule C line placement with a tax preparer. Rate Calculator answers “what should I charge?” from a target annual net income. Monthly P&L is a 12-month rollup of revenue and expenses.
Prompt: “Here are this month’s invoice aging totals by bucket and last month’s. Write a 150-word collections note. Do not invent reasons a client is late.” Prices: ChatGPT Free $0, Plus $20/month (OpenAI / ChatGPT pricing); Claude Free $0, Pro $20/month or $17/month billed annually (Anthropic / Claude pricing).
Get the Freelancer Invoice Tracker — $5.24 (was $6.99)
April gets expensive when income lives in a bank CSV and expenses live in a camera roll. A small-business close is one page: revenue, expenses, net, unpaid invoices, inventory, mileage, and a quarterly estimate. The workbook calculates. The AI writes the note from totals, not customer rows.
Live listing: Small Business Bookkeeping Spreadsheet | Schedule C Self Employed P&L Tax Excel Sheets — $5.24 (was $6.99) through October 17, 2026, listing 4483358189, active, auto-renew on. Open API GET 2026-10-06 list price is still $6.99; shop announcement is 25% off every file through Oct 17. Instant 13-tab Excel + Google Sheets (Start-Here PDF also documents LibreOffice). Tabs: START HERE, Instructions, Income_Sales, Expenses, Products_Services, Customers, Invoices, Inventory, Profit_Loss, Tax_Summary, Mileage_Log, Settings, Dashboard. Live listing guarantee (quote): “LOVE GUARANTEE (14 days): Message us if this isn't right — free fix, free small customization, or refund.”
Income_Sales logs date, customer, description, category, and amount. Expenses logs vendor and category and feeds P&L and tax tabs. Invoices carry due dates and payment status. Profit_Loss is month-by-month revenue, expenses, and net. Tax_Summary is titled “2026 TAX SUMMARY — Quarterly Estimates.” Mileage_Log is business trips. Settings holds business name (sample file uses Sole Proprietor-style fields). There is no tab named Schedule C; expense categories and the quarterly estimate are the tax-oriented pieces. This is an organizational tool, not a filed return.
The live title says “Excel Sheets.” The Start-Here PDF also documents Google Sheets and LibreOffice. Upload the .xlsx via Google Drive → Open with Google Sheets if that is your editor.
Get the Small Business Bookkeeping Spreadsheet — $5.24 (was $6.99)
ChatGPT Free writes SUMIFS and month-end copy. Plus ($20/month) adds file tools if you upload a stripped totals sheet. ChatGPT’s pricing page lists Excel / Google Sheets extensions on Plus. Totals only — no client rows, no taxpayer IDs. Use ChatGPT Free
Claude Free is the better paste target for a full month of fund totals plus last year’s same month. Ask it to keep Etsy fees, COGS, and net in separate sentences so revenue never masquerades as profit. Use Claude Free
Google Sheets is the default editor if you do not run Excel. Every workbook above is a .xlsx download; Drive → Upload → Open with Google Sheets is the path in each Start-Here PDF. Gemini inside Sheets is optional and not required for the fee math or the aging buckets.
Multi-gig 1099 / side hustle — $5.24 (was $6.99) through October 17, 2026. Shop sale 25% off every file; Open API GET 2026-10-06 list remains $6.99. 1099 Income Tracker Spreadsheet | Side Hustle Profit Expense Tax Excel Google Sheets (4483585834, active, auto-renew on). Twelve tabs: Start Here, Dashboard, Hustle Setup, Income Log, Expense Log, Hours Log, Monthly P&L, Goal Tracker, Quarterly Tax Set-Aside, Platform Fee Reference, Sample Data Guide, Leave a Review. Hustle Setup supports up to 6 gigs plus a Shared / General row. Income Log net = gross minus fees. Hours Log computes effective hourly rate as net income ÷ hours. Platform Fee Reference is labeled illustrative — verify current platform fees before you rely on the cheatsheet. Live listing guarantee (quote): “LOVE GUARANTEE (14 days): Message us if this isn't right — free fix, free small customization, or refund.”
All three books in one download — $9.74 (was $12.99) through October 17, 2026. Shop sale 25% off every file; Open API GET 2026-10-06 list remains $12.99. Small Business Bookkeeping Bundle Spreadsheet | Freelancer Invoice Seller Tax Excel Google Sheets (4535716354, active, auto-renew on). Live listing copy: three already-live shop tools in one download — freelancer invoices and tax set-aside, small-business bookkeeping, and an Etsy seller fee tracker. Instant download: Excel & Google Sheets. Open API list for the three singles is $6.99 each ($20.97); 25% of those lists is $5.24 each ($15.72). The bundle at 25% of $12.99 is $9.74. Use the bundle when you sell on Etsy and invoice clients. Use a single file when you only have one of those jobs. Live listing guarantee (quote): “LOVE GUARANTEE (14 days): Message us if this isn't right — free fix, free small customization, or refund.”
Other live seller-ops files: etsy.com/shop/SmartFilesShopUS. Love Guarantee on the live listings (quote from GET 2026-10-06): “LOVE GUARANTEE (14 days): Message us if this isn't right — free fix, free small customization, or refund.”
The same ChatGPT / Claude + Excel or Google Sheets pattern also covers small landlord books — rent rolls, security-deposit ledgers, and vacancy make-ready logs — when the property is a long-term rental rather than a client invoice or Etsy payout. See our map of AI spreadsheet tools for landlords and rental property (2026) if you manage doors alongside freelance or seller work.
Freelancers and Etsy sellers who are also switching careers still need a clean resume beside the invoice log. After the month closes in Sheets, open our Best AI Resume Builders 2026 buyer's guide for Teal, Rezi, Kickresume, and Resume.io — the books track what you earned; the builder packages what you did.
The four individual workbooks and the bundle are instant downloads (Excel + Google Sheets) with the Love Guarantee: 14-day free fix, free small customization, or refund. Each download also includes a Start-Here PDF and an HTML dashboard you can open in a browser. That HTML file is a local companion, not an App Store app.
Etsy Seller Bookkeeping if fees are eating the payout — now $5.24 (was $6.99) through October 17, 2026. Freelancer Invoice Tracker if invoices are aging. Small Business Bookkeeping if you need a P&L. ChatGPT Free for the month-end note. Do not paste client names into a chat.
Use it for formulas and memos. Do not paste client names, emails, or taxpayer IDs. Work from totals.
An order log with listing, transaction, processing, and optional offsite-ads fees, plus a monthly P&L. Live workbook: Etsy Seller Bookkeeping Spreadsheet, $5.24 (was $6.99, through October 17, 2026) from Smart Files Shop, listing 4533025325.
One row per invoice, with Days Past Due and an aging bucket. Live workbook: Freelancer Invoice Tracker, $5.24 (was $6.99, through October 17, 2026), listing 4483358185.
Many close the month in Excel or Google Sheets. Invoice aging and fee-after-profit math still belong on a dedicated log, not a bank export.
Yes. ChatGPT lists Free at $0/month and Plus at $20/month. Claude lists Free at $0 and Pro at $20/month ($17/month billed annually). Confirm current details on each vendor’s pricing page before you subscribe.