Disclaimer

The sheets on Karoobaar are calculators and examples. They are not tax advice, legal advice, or financial advice. They are not a substitute for a professional accountant, bookkeeper, or payroll service.

Payroll and bookkeeping sheets are the clearest example. The payroll file multiplies hours by a rate and subtracts a deduction you type. It does not know the tax law where you work. The sample deductions are placeholders so you can see the subtraction. The profit and loss sheet and the balance sheet add the numbers you type. They do not close a year, file a return, or tell you what you may deduct.

Examples use dollars, or your own currency. A sample plumber, shop, or cleaning business is fiction used to show the math. Check every total before you send an invoice, place an order, or pay staff.

Templates are free to download and to use in your own business. They are provided as is. If a formula and a page disagree, stop and write through the contact page before you rely on the file.