Finance templates

Working papers for the money side: a monthly budget, a balance sheet, a petty cash register and a year-end checklist.

Editing is free and needs no account. A watermark-free download is R15 per design, or included on any paid plan.

Monthly Budget

Fill in the budget column before the month starts and the actual column from your bank statement once it ends.

PREPARED FOR

The Dlamini household

MONTH

October 2026

Tax-free savings account

Total debt repayments

Rates, levies and taxes

Electricity and water

Medical aid

Insurance

Vehicle finance

Cellphone and internet

School and creche fees

Eating out and takeaways

Total variable expenses

SUMMARY

Less variable expenses

Less savings

Less debt repayments

Left over

Left over is total income less everything above it. A negative figure means the month was paid for out of savings or on credit.

NOTES

Pay your savings as a debit order on payday, so they leave the account before the variable spending starts.

Monthly Budget

Finance

A household budget with budget and actual columns, savings, debt and a left over line.

Edit this template Details

Image

Acme Trading (Pty) Ltd

12 Long Street, Cape Town, 8001
021 555 0100   accounts@acmetrading.co.za

Statement of Financial Position

As at 28 February 2026. All amounts in South African rand.

Note

Current year

Prior year

ASSETS

Non-current assets

Property, plant and equipment

Intangible assets

Investments

Deferred tax asset

Total non-current assets

Current assets

Inventories

Trade and other receivables

Prepayments

Cash and cash equivalents

Total current assets

Total assets

EQUITY AND LIABILITIES

Non-current liabilities

Long-term borrowings

Loans from directors or shareholders

Deferred tax liability

Total non-current liabilities

Current liabilities

Trade and other payables

Current portion of borrowings

Bank overdraft

Current tax payable

Provisions

Total current liabilities

Total equity and liabilities

Total assets must equal total equity and liabilities. If they differ, check retained earnings, the bank balances and the loan accounts with directors first.

Director

Date approved

Acme Trading (Pty) Ltd   Reg 2019/123456/07

Balance Sheet

Finance

A statement of financial position with current and prior year columns, set out the IFRS for SMEs way.

Edit this template Details

Image

Acme Trading (Pty) Ltd

12 Long Street, Cape Town, 8001
021 555 0100   accounts@acmetrading.co.za

Petty Cash Register

Record every payment from the cash box against a numbered voucher, and keep the slip with it.

CUSTODIAN

N. Mahlangu

PERIOD

October 2026

OPENING FLOAT

R 2 000.00

Date

Voucher

Description

Petty Cash Register

Finance

A voucher-by-voucher petty cash log with a running balance and a reconciliation box.

Edit this template Details

Image

Acme Trading (Pty) Ltd

12 Long Street, Cape Town, 8001
021 555 0100   accounts@acmetrading.co.za

Financial Year-End Checklist

Work through each section around the last day of the financial year, and initial and date each task as it is done.

FINANCIAL YEAR END

28 February 2027

PREPARED BY

L. Daniels

TASK

DONE BY

DATE

STOCK AND FIXED ASSETS

Count stock at year end and write down damaged or slow-moving items

Update the fixed asset register for additions, disposals and depreciation

Check that the major assets on the register still exist and are in use

DEBTORS AND CREDITORS

Review the debtors age analysis and write off debts that will not be paid

Agree the balance owed to each major supplier to their statement

Record accruals for costs incurred but not yet invoiced, and any prepayments

BANK, CASH AND LOANS

Reconcile every bank account to the bank statement on the year-end date

Count petty cash and agree it to the petty cash register

Obtain loan statements and split each repayment into interest and capital

Agree the loan accounts with directors or members and confirm their terms

PAYROLL

Reconcile salaries, PAYE, UIF and SDL in the ledger to the payroll reports

Prepare the annual EMP501 reconciliation and issue IRP5 certificates

Work out the leave pay owed to staff at year end and provide for it

TAX

Make the second provisional tax payment by the last day of the financial year

Decide whether a voluntary third provisional payment will save interest

Reconcile the VAT returns for the year to turnover and the VAT account

Diary the ITR14 return, which is due within 12 months of the year end

COMPANY RECORDS

File the CIPC annual return and beneficial ownership declaration on time

Confirm whether the financial statements need an audit or a review

Have the directors approve and sign the annual financial statements

Back up the accounting records and lock the closed year against changes

CIPC annual returns: a company files within 30 business days after the anniversary of its incorporation, and a close corporation in its anniversary month or the month after. Late filing attracts penalties and can lead to deregistration.

Reviewed by

Date

Acme Trading (Pty) Ltd   Reg 2019/123456/07

Financial Year-End Checklist

Finance

Twenty-one year-end tasks, from the stock count to the CIPC annual return, with sign-off columns.

Edit this template Details

How the editor works

Pick a design. Every template opens in the same editor, so the one you choose is a starting point rather than a commitment.
Change anything. Drag text and images where you want them, resize and rotate, restyle colours and fonts, add your logo.
Fill in your details. The Data tab feeds the merge fields, so your business name only gets typed once no matter how often it appears.
Download. Export a PDF or a PNG. Save the design to your account to come back to it.

Need the numbers worked out too?

These templates calculate line totals and VAT. For payroll, where PAYE, UIF and SDL follow the SARS tables rather than the page, use the payslip generator, which works the tax out for you and keeps a record of every payslip issued.

Monthly Budget

Balance Sheet

Petty Cash Register

Financial Year-End Checklist

How the editor works

Need the numbers worked out too?

Related Tools

Payslip Template Download

Free Payslip Generator

VAT Calculator