The free template
CSV · opens in Excel, Google Sheets or Numbers
One row per car per month. Type what came in and what went out; the last two columns add up the costs and take them from the payouts, and a totals row for each car sits at the bottom. Rename the cars, and add rows for more.
Free, no email asked, and it stays free whether or not you ever subscribe.
Its columns
- Month
- Car
- Payouts received
- Platform fees not already taken out
- Loan interest
- Insurance
- Maintenance and repairs
- Cleaning
- Fuel and charging
- Parking and tolls
- Registration and fees
- Other
- Total costs (worked out)
- Profit (worked out)
Filling it in
- Payouts received is what reached your bank, after the platform took its share. If you type the trip price or the 1099-K gross instead, put the platform’s fees in their own column so the profit comes out the same. Why the 1099-K is bigger than your payouts.
- Loan interest, not the whole payment. The rest of a payment pays the loan down, which turns debt into equity in the car rather than costing you.
- A bill that covers several cars, like one insurance policy, goes across their rows in parts, so it is counted once.
- Lost value isn’t in it. A car that pays for itself while losing more in value hasn’t made money; the car-sharing profit calculator takes it into account for a month.
- A separate bank account or card for the cars makes every row quicker to fill.
The same rows, from your accounts
Money Actually reads your bank and card accounts read-only through Plaid and puts the money against each car, so the month is your real one rather than what you remembered to type.
- Each car gets its own page: what it earned, what it cost and its profit, ranked against your other cars.
- Break-even for the month, from what the car actually cost.
- Tag a payout or a bill to a car once, and a rule can do it from then on.
- Set a business-use percentage for a car you also drive yourself.
- A year report that puts each car under the schedule its income is commonly reported on (C or E, as you set it), with costs by category, the 1099-K gross beside the deposits it should match, and a CSV for whoever does your taxes.
- Up to 5 banks, with every account at each one. Unlimited manual accounts, cars and properties.
The sample tour shows a host’s month with sample data, no account needed.