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📊 Free Small Business Budget Template

Below is the structure of a working business budget — monthly revenue targets, fixed and variable costs, and a cash-flow projection.

A budget is your plan expressed in numbers. It tells you whether your pricing covers your costs, when you will need to invest, and how much runway you have. This template covers the categories most small businesses need.

Revenue

FieldsDescription
Product/Service Sales*Revenue by product line or service.
Recurring RevenueSubscriptions, retainers, contracts.
Other IncomeInterest, grants, one-off sales.
Total Revenue*Sum of all income sources.

Fixed Costs (Monthly)

FieldsDescription
Rent*Office, warehouse, or shop space.
Salaries*Gross payroll including employer taxes.
Software & Subscriptions*Accounting, CRM, productivity tools.
InsuranceLiability, property, health.
Loan PaymentsPrincipal and interest.
Utilities*Electricity, internet, phone.

Variable Costs

FieldsDescription
Cost of Goods Sold*Materials, components, packaging.
MarketingAds, events, content.
CommissionsSales commissions, referral fees.
Shipping & DeliveryCourier, freight, fuel.

Summary

FieldsDescription
Total Revenue*All income.
Total Costs*Fixed + variable.
Net Profit/Loss*Revenue − costs.
Profit Margin*Net profit ÷ revenue × 100.

How to use

  1. 1Start with last year's actuals as your baseline.
  2. 2Split costs into fixed (rent, salaries) and variable (materials, marketing).
  3. 3Project three scenarios: conservative, expected, optimistic.
  4. 4Review monthly — a budget that is never updated is useless.

Or automate this

Building a budget from transaction data takes hours. Nika categorises your income and expenses automatically and generates a month-by-month budget from real data — from {price} per month.

Questions

How detailed should a small business budget be?

Detailed enough to make decisions, not so detailed that you spend more time on the budget than the business. Aim for 10–15 line items total: 3–4 revenue sources, 6–8 fixed costs, and 3–4 variable costs.

Should I budget annually or monthly?

Both. An annual budget sets the target; a monthly budget tracks reality. The monthly version is where you spot problems early — a bad month is invisible in an annual view until it is too late.

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