Build Your Survival Budget for Self-Employment — Know Exactly What Your Business Needs to Survive

A simple, practical budget spreadsheet designed for new sole traders to understand their household income, essential costs and the minimum their business needs to generate.

Starting out as self-employed can feel like stepping into the unknown — especially when it comes to money. One of the biggest questions every new sole trader faces is: How much do I actually need to earn to keep the lights on?

The Guida Accountancy Survival Budget Toolkit gives you that answer. It walks you through your full household income and essential bills, adds any irregular costs, and shows you the minimum your business needs to make to survive your first 6–12 months.

With this toolkit you’ll be able to:


✔ Work out your total household income each month

✔ Capture all your essential bills and irregular costs

✔ See clearly whether your income covers your needs

✔ Understand how much your business needs to produce to support your household

✔ Build a simple safety buffer — even if you’re only part-time at first!

This isn’t a complicated forecasting tool — it’s a survival budget designed to help you plan with confidence.

👉 Get the Survival Budget Toolkit

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