The Life-Led Business Budget
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Life-Led Business Budget
Most business planning starts with sales targets.
“How much do I want to make this year?”
“How many packages do I need to sell?”
And for a lot of business owners, that’s exactly where they freeze.
This template flips it.
It starts with your actual life.
It walks you through your full personal spending picture — day-to-day costs, mortgage or rent, loans, savings, investing — the real numbers — so you can work out what you actually need to earn.
Not what sounds impressive.
Not what you think you “should” aim for.
What your life genuinely requires.
From there, you work backwards:
- What personal income do you actually need/want?
- What are your business running costs?
- How much do you need to set aside for tax?
- What buffer do you want in place?
- What profit does the business need to generate to cover all of that?
- What revenue supports that level of profit?
- How many hours do you actually want to work?
- What does that mean for your pricing?
- How does your suite of offers now shift?
- Where could you build in additional “desirables” — higher savings, extra investment, reduced hours, more flexibility, new or pivoted offers?
This is particularly powerful for ;lifestyle; businesses — where the aim is to build a business that supports your life, not one that quietly expands beyond your capacity.
When you can see the numbers clearly, pricing becomes clear and grounded instead of emotionally charged.
You can increase prices with confidence because you understand what the business needs to sustain you.
You can redesign offers because you can see what works for your capacity and across the seasons.
You stop guessing.
If the 12–24 Month Budget models the business in isolation, this template connects your business and your personal finances so the two actually make sense together.
Access the template
This tool is built in Google Sheets.
Click the link below and a copy will open automatically for you to use. You can edit it in Google Sheets or download it to use in Excel.
👉 Access the Life-Led Business Budget