Income Tracker

Know what you actually earned after the rate and the fees.

This is a Google Sheets income tracker for people paid by many clients in many currencies. Log each payment with its rate and fees. Mark it Invoiced, Paid or Late. The sheet shows your net pay in your home currency, who pays late and which platform takes the most.

Who it is for

• VAs and freelancers paid in dollars through Upwork, PayPal, Wise or Payoneer
• Freelancers with several clients and uneven pay dates
• Anyone who wants to set aside a share for tax
• You, if you are never sure how much a client really paid you after fees

The problem it solves

A client pays 650 dollars. By the time it lands in your bank, the rate and two sets of fees have changed it. Another client is two weeks late and you forgot to follow up. This sheet logs both, works out your net and flags late payments on its own.

What is inside

• Start Here tab. Four setup steps, your home currency, how you are paid, when an invoice counts as late, your tax set aside percent and your usual rates.
• Presets. Hourly VA, Monthly retainer, Project based or Custom.
• Payments tab. Net this month, waiting to be paid and fees this month on top. Your payment log right under it: date, client, amount, status, currency, rate, fees, net and how you were paid.
• Old invoices turn late on their own. Set the number of days on Start Here.
• Clients tab. Each client's currency, rate and expected pay a month, plus pay this month and this year.
• Dashboard. By month, by client, by payment method, late payments to chase, and two charts.
• Fix it box. Quick answers for common problems, right inside the file.

How it works on your phone

Open the free Google Sheets app. When a client pays, go to Payments, type the date and amount, pick the client and the status. Add the rate and fees when the money lands. No scripts, no forms and no buttons.

The setup is easier on a laptop, but daily use is made for your phone.

What makes it different

Your real rate. Type the rate you got from your app or bank. We never fill in rates for you, so your net is real.

Compare methods. See what Upwork, PayPal, Wise, Payoneer and your bank each kept in fees.

What you get

• One Google Sheet with 4 tabs: Start Here, Payments, Clients and Dashboard
• Payments in PHP, USD, AUD, EUR or GBP
• Payment methods ready to pick, like Upwork, PayPal, Wise, Payoneer and Direct bank
• A copy link that puts your own copy in your Google Drive
• Email support from a real person

Questions people ask

Does it work in Excel?

It is made for Google Sheets and tested there. You can download your copy as an Excel file from the File menu, and the numbers still work. Some colours, charts or dropdowns may look different in Excel, so we only promise full support in Google Sheets.

Can I use it on my phone?

Yes. Daily use works in the free Google Sheets app. To make your copy, open the copy link in your phone browser, not the app, because the app hides the Make a copy option.

What currency does it use?

You pick your home currency on Start Here. Log each payment in PHP, USD, AUD, EUR or GBP with the rate you got and the fees. Your net shows in your home currency.

Do I need a Google account?

Yes. A free Google account is enough.

Does it give tax advice?

No. Tax set aside is only your own percent of net pay. It is a tracker, not tax advice. Check your local tax rules or ask an accountant.

Is my money data private?

Your copy lives in your own Google Drive. We cannot see it.

What if it is not for me?

You get a full refund within 14 days. No questions asked. Just reply to your receipt or email us.

How do I get help?

Email [email protected]. We reply within 24 hours.