If you’re thinking about starting your own business or side-hustle, having a firm understanding of your finances builds the financial foundation needed to start and scale. The Square Future of Commerce report found that many consumers are ready to take entrepreneurial action: 65% have already turned a passion or hobby into a business or are planning, considering, or interested in doing so. Gen Z and millennials, in particular, are the most open to starting a business right now (46%), citing the desire to be their own boss, turn hobbies into cash, do work they’re passionate about, or have a more flexible schedule.

Whether you’re earning money by leveraging your social following through brand deals or selling your homemade candles at weekend flea markets it will be key to the future of your business to understand where you’re spending and where you have money leftover.

Our free tool is designed to help you get a birds eye view of where your money is going and what you have leftover after your expenses are covered. If you ever have that feeling of “Where did all these charges come from?” when checking your credit card statements, this tool should help you understand what your fixed costs add up to each month, and what money you should have leftover to spend, save, or pour back into your business.

Tip: We’ve outlined 8 finance apps to manage cash flow – and save you time and money

One of the reasons customers love Afterpay is that it can also function as a budgeting tool. The four payments* are split up evenly without any interest, such as one would incur through a credit card purchase. In fact, one in six shoppers say they plan to use a BNPL service like Afterpay, citing managing and budgeting their finances as reasons.

Using the expense tracker

Download the free PDF tool below and fill out your expenses for the month. If you have a category that changes one month, you can go back in and edit that box - but be sure to clear the total at the bottom and hit refresh.