Profit & Loss Statement for Self-Employed (Rentals, Loans, Taxes)
Landlords, lenders, and underwriters all ask the self-employed for a P&L. You don't need QuickBooks — you need honest categories and clean math.
The three blocks
Revenue (everything billed), cost of goods sold (direct costs of delivering it), operating expenses (rent, software, insurance, marketing, vehicle). Net income = revenue − COGS − expenses. That single number is what they're looking for.
Match your tax reality
Your P&L should reconcile roughly with Schedule C — an underwriter comparing the two will notice fantasy numbers. Pull totals from bank statements by category if you don't keep books.
Presentation matters
A dated, sectioned, totaled statement reads as competent; a screenshot of a spreadsheet doesn't. Print the generated P&L to PDF with the period in the title — done.
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