shopfolio.store

What It Is

Shopfolio is a product site selling financial modeling spreadsheets for real estate investors, freelancers, and small business owners. It is not a traditional cloud SaaS product; instead, users make a one-time purchase and download .xlsx files, then fill in the blue input cells in Excel or Google Sheets while the remaining formulas calculate automatically.

Core Features

On the real estate side, it covers Deal Analyzer, BRRRR, and Rental Tracker, with calculations for DSCR, Cap Rate, cash-on-cash return, and IRR. It also provides GO/NO-GO decisions, a 5-year pro forma, sensitivity analysis, refinancing scenarios, and automatic Schedule E population. For small businesses and freelancers, it includes client P&L, quarterly tax estimates, safe harbor rules, mileage tracking, invoice aging, monthly P&L, COGS, 6-month cash flow forecasts, and Schedule C mapping. Its selling points are the use of current IRS tax rates, Schedule C/E category dropdowns, and an Assumptions Audit that records the sources of default values.

Pricing and Purchase

Pricing is transparent with no subscription required: Lite products are $9, and individual Pro products are $29; the Small Biz Starter Kit is $39, and the RE Investor Toolkit is $59. Purchases are processed via Stripe. After payment, a download link is emailed in about 30 seconds and remains valid for 48 hours. The site states that the files are permanently owned by the user, can be copied and modified, have no seat limits, and come with free lifetime updates.

Pros and Cons

The advantages are its low price, low learning curve, and lack of need to learn complex accounting software. Compared with typical free calculators, it adds loan metrics, tax form mapping, and sensitivity analysis. The limitations are also clear: it is not a complete financial system, and there is no visible support for bank sync, receipt management, automated bookkeeping, team permissions, audit logs, APIs, or enterprise-grade security and compliance documentation. Its tax design is highly dependent on the U.S. IRS system, making it of limited relevance for non-U.S. users.

Who It’s For

It is suitable for early-stage freelancers, small business owners, rental landlords, and small to mid-sized real estate investors operating in a U.S. context, especially for pre-deal analysis, cash flow tracking, and tax preparation. If a business already requires complex bookkeeping, multi-user collaboration, compliance audits, or local tax support, alternatives such as QuickBooks, Xero, Wave, or China-market solutions like Kingdee, Yonyou, and Chanjet may be more appropriate.

Access from China

The main content does not provide information on access from China, Chinese-language support, or RMB payment options. Payment relies on Stripe, and network availability is unknown. Even if accessible, its IRS-based tax logic and U.S. loan metrics are not suitable as a basis for tax or financing decisions in China.