NomadFinancials • Printable planning companion • 15 October 2026
Worked examples below are fictional illustrations. Replace the inputs with your own numbers. This is a manual worksheet, not a calculator or accounting system.
| Invoice record | Payment record | Why the distinction matters |
|---|---|---|
| Invoice number and client | Invoice reference on payment | Links each receipt to the right receivable |
| Invoice issue and due dates | Payment and bank-settlement dates | Separates contract timing from available cash |
| Invoice total | Gross payment, fee, and net deposit | Explains why the bank amount can be smaller |
| Credits or approved adjustments | Refunds and chargebacks | Prevents stale balances after a correction |
| Outstanding amount | Payment status | Distinguishes unpaid from pending settlement |
| Item | Amount | Effect |
|---|---|---|
| Original invoice | $1,200 | Starting amount owed |
| Gross client payment | $400 | Reduces amount owed by $400 |
| Processor fee | $12 | Explains settlement difference |
| Net bank deposit | $388 | Cash reaching the bank |
| Remaining invoice balance | $800 | $1,200 minus $400 |
| Date / period | Item / assumption | Cash in | Cash out / allocated | Balance / next action |
|---|---|---|---|---|
Do not count transfers between your own accounts as new income. Keep tax reserves and earmarked funds distinct from freely available cash.
Source guide: nomadfinancials.com/track-invoices-vs-payments-received/