Description
# Poland JDG Finance Kit PRO – Excel Finance Template
Run the financial side of your Polish **JDG / jednoosobowa działalność gospodarcza** from one organized Excel workbook.
The **Poland JDG Finance Kit PRO** combines income tracking, business expenses, VAT, ZUS, invoicing, payroll planning, fixed assets, tax-form comparison, monthly P&L, receivables monitoring, and a management dashboard.
Built for freelancers, consultants, creators, contractors, agencies, and other Polish sole proprietors who want more control than a basic expense tracker – without building a spreadsheet system from scratch.
## WHAT YOU GET
Your purchase includes **2 Excel files**:
**SAMPLE Version**
Pre-filled with fictional business data so you can immediately see how the workbook works.
**BLANK Version**
Clean working copy ready for your own business data.
Both versions contain the same formulas, navigation, formatting, dropdowns, dashboard logic, and workbook structure.
## WHAT’S INSIDE
### Dashboard
See the numbers that matter without digging through transaction sheets.
Track:
* YTD Revenue
* YTD Costs
* YTD Net Profit
* Net Margin
* VAT Payable
* ZUS + Health Contributions
* Overdue Accounts Receivable
* Lowest Modeled Tax Burden
* Monthly revenue and cost trends
* Expense mix
* Cumulative profit
* Attention / next-action reminders
Choose a reporting month from **1–12** to generate a true month-end YTD view.
### Setup
Configure the workbook for your business.
Includes:
* Business information
* Tax form
* Ryczałt rate
* VAT status
* ZUS scheme
* Voluntary sickness contribution
* Social contribution assumptions
* Health contribution assumptions
* Tax thresholds and rates
* Editable 2026 parameters
### Income Tracker
Log sales documents once and let the workbook use that information throughout the model.
Track:
* Invoice number
* Customer
* Dates
* Net sales
* VAT
* Gross amount
* Payment status
* Payment date
* Due date
* Days outstanding
* Overdue status
* Accounts receivable aging
Includes room for up to **500 income records** in this version.
### Expense Tracker
Organize business costs and classify them for reporting.
Track:
* Supplier
* Document date
* Description
* Expense category
* Net cost
* VAT
* Gross cost
* Payment details
* Monthly classification
Includes room for up to **500 expense records** in this version.
### Invoice Generator
Select an invoice already recorded in the Income sheet.
The invoice view then pulls the core transaction information automatically — helping reduce duplicate data entry.
Includes:
* Seller details
* Buyer details
* Invoice and sale dates
* Line items
* VAT summary
* Payment information
* Bank details
* Printable invoice layout
This workbook is an internal management and invoice-record tool. It is **not KSeF submission software**.
### VAT Register
Monthly VAT summary showing:
* Output VAT
* Input VAT from expenses
* Input VAT from assets
* Total input VAT
* VAT payable / refund position
* Filing/payment due dates
* Payment status
### ZUS Tracker
Estimate and track monthly social and health contributions based on the settings selected in Setup.
Includes:
* Contribution base
* Pension
* Disability
* Sickness
* Accident insurance
* FP + FS
* Social contribution total
* Estimated health contribution
* Manual health contribution override
* Total transfer
* Due dates
* Payment status
### Payroll Cost Calculator
Model the cost of employees and contractors.
Includes simplified calculations for:
* Gross pay
* Employer contributions
* Employee contributions
* PPK
* Estimated net pay
* Monthly employer cost
* Annual employer cost
Useful for planning hires before committing to payroll costs.
### Fixed Assets & Depreciation
Maintain a simple fixed asset register with:
* Purchase date
* Net value
* VAT
* VAT deductibility
* Depreciation method
* Depreciation rate
* Monthly depreciation
* Accumulated depreciation
* Book value
### Tax Form Comparison
Compare three common JDG tax approaches under your assumptions:
* **Ryczałt**
* **Skala podatkowa**
* **Podatek liniowy**
Compare modeled:
* Income tax
* Health contributions
* Social contributions
* Total burden
* Estimated after-tax result
* Effective burden rate
The workbook identifies the **lowest modeled burden under the assumptions entered**.
This is a simplified planning comparison. It does not model every relief, deduction, filing situation, joint filing option, IP Box treatment, or case-specific tax rule.
### Monthly P&L
See monthly and annual:
* Revenue
* Operating costs
* Depreciation
* Operating profit
* ZUS
* Health contributions
* Estimated income tax
* Net profit
* Cumulative results
## BUILT FOR POLISH JDG OWNERS
This template is especially useful if you:
* Run a Polish sole proprietorship
* Want one workbook instead of several disconnected trackers
* Need better visibility over VAT and ZUS
* Want to compare tax-form scenarios
* Invoice clients regularly
* Need to monitor unpaid invoices
* Want a monthly management P&L
* Are planning employees or contractors
* Track business equipment or fixed assets
* Prefer Excel over another subscription
## EASY TO NAVIGATE
Every working sheet includes a consistent left-side navigation menu.
Jump between the Dashboard, Setup, Income, Expenses, VAT, ZUS, Payroll, Assets, Tax Compare, P&L, Invoice, and Guide without hunting through worksheet tabs.
Editable input cells are visually separated from formulas and calculated outputs.
## ENGLISH + POLISH
Important labels and instructions use both **English and Polish terminology** where useful.
Examples include:
* Revenue / Przychody
* Expenses / Koszty
* VAT należny / naliczony
* ZUS
* Składka zdrowotna
* Ryczałt
* Skala podatkowa
* Podatek liniowy
* Środki trwałe
* Amortyzacja
## SOFTWARE
Designed primarily for:
**Microsoft Excel 2016 or newer**
Google Sheets is **not the primary supported platform**. Importing the workbook into Google Sheets may change formatting, charts, formulas, validation, print layouts, or other Excel-specific behavior.
No macros are required.
Files are supplied in **.xlsx format**.
## IMPORTANT — PLEASE READ
This spreadsheet is a business management and educational planning tool.
It is **not accounting, tax, legal, payroll, KSeF submission, or statutory filing software**.
2026 tax and contribution assumptions are included in the workbook and can be edited. Tax laws, contribution amounts, thresholds, eligibility rules, and filing requirements can change.
Always verify current requirements and your specific tax treatment with your accountant, tax adviser, ZUS, or the appropriate Polish authority before filing or making tax decisions.
## DIGITAL PRODUCT
This is a **digital Excel download**.
No physical product will be shipped.
Because this is a digital product, please review the listing screenshots, workbook requirements, and description carefully before purchasing. Refund and cancellation handling is subject to the shop’s Etsy policies, Etsy’s rules, and applicable law.
Take control of your JDG numbers without building the system from zero.
**Set it up once. Update your transactions. Let the workbook do the boring part.**
Order now 🙂
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