Finance templates from the people behind Masrofna.

Formula-driven Excel models for the Gulf and beyond: budgeting, debt payoff, end-of-service by country, bookkeeping with VAT, and the margin, cash and commission tools a finance manager actually runs a company on.

Finance manager toolkit

The models a finance manager actually runs a trading company on — anonymised, formula-driven, no macros. Paste your export, read the answer.

Wholesale Margin Analyzer (Excel)
Paste your sales export. See who went quiet, who is under-priced, and how much gross profit that is.
Small Business General Ledger & VAT (Excel)
Chart of accounts, journal, trial balance, P&L, balance sheet and a VAT return — in one workbook that balances itself.
AR/AP Aging & 13-Week Cash Forecast (Excel)
Every open invoice, aged by customer and supplier, rolled into a 13-week cash forecast that shows the week you run short.
Sales Commission Tracker — tiered on gross profit (Excel)
Targets, tier table, monthly actuals — commission due per rep, per month, with achievement in one grid.
Finance Manager Toolkit — all four business models
Margin Analyzer + General Ledger & VAT + AR/AP Aging & Cash Forecast + Commission Tracker. 28% off buying separately.

Personal finance (AED-first)

Budget, rent cheques, debt payoff. Built for people paid in dirhams; works in any currency.

UAE Salary Budget Planner (Excel, AED, Arabic + English)
Salary, rent cheques, school fees, cards — what is actually left each month, and how much to set aside so no cheque needs a salary advance.
Debt Payoff Planner — Snowball vs Avalanche (Excel)
Eight debts, both orders, a 60-month schedule that rolls your extra payment onto the most expensive debt. One number: months to debt-free.
Personal Finance Bundle — budget + debt + gratuity, all countries
The budget planner, the debt payoff planner and the eight-country end-of-service pack. 25% off.

End-of-service & gratuity, by country

Know your number before you resign. One sheet per country with the law reference, the cap and the resignation rule.

Global End-of-Service & Gratuity Pack — 8 countries (Excel)
UAE · Saudi Arabia · Qatar · Kuwait · Oman · Bahrain · India · UK. One workbook, a Compare tab that shows what the same salary and years pay in each.
UAE Gratuity Calculator (Excel)
Federal Decree-Law 33/2021 — 21 and 30 days per year, two-year cap, unpaid leave deducted.
Saudi End-of-Service Award Calculator (Excel)
Labour Law Articles 84–85 — half and full month tiers with the resignation thirds applied automatically.
Qatar End-of-Service Gratuity Calculator (Excel)
Law 14/2004 Article 54 — three weeks' basic wage per year of service.
Kuwait End-of-Service Indemnity Calculator (Excel)
Law 6/2010 Article 51 — 15 days then one month per year, 18-month cap, resignation factors.
Oman End-of-Service Gratuity Calculator (Excel)
Royal Decree 53/2023 — one month's basic per year, with the pre-July-2023 service computed on the old formula.
Bahrain Leaving Indemnity Calculator (Excel)
Article 116 legacy formula for service before March 2024, plus the SIO-funded estimate after.
India Gratuity Calculator (Excel)
Payment of Gratuity Act — 15/26 rule, rounding above six months, ₹20 lakh ceiling.
UK Statutory Redundancy Pay Calculator (Excel)
Age-banded weeks (0.5 / 1 / 1.5), 20-year cap and the weekly-pay cap you update each April.