Balance sheet generator — assets, liabilities and equity with a balance check

How to use the balance sheet generator

1. Under Document, set the As of date and the Basis (unaudited, management accounts or audited), and choose the currency.
2. Enter the Business name and address.
3. Fill in Current assets, Non-current assets, Current liabilities, Non-current liabilities and Equity, one line per item with an amount.
4. Watch the balance check. If it says “Out of balance by…”, find the missing amount before you print.
5. Print the balance sheet or download it as PDF or CSV.

What it does and when to use it

A balance sheet is a snapshot of a business on one date: what it owns (assets), what it owes (liabilities) and what belongs to the owners (equity). The two sides must be equal — that is the accounting equation, assets = liabilities + equity.

Small businesses need one for bank loans, partner meetings and year-end reviews. This generator produces a clean, consistent layout and does the checking for you: it totals each group and says plainly whether the sheet balances.

The summary lists total current and non-current assets, total assets, total current and non-current liabilities, total liabilities, total equity and total liabilities and equity. Then come the balance check (“Balanced” in green, or “Out of balance by” in orange with a warning above the document), working capital, current ratio and debt-to-equity. The warning box is hidden when you print.

Prepare it alongside a profit and loss statement for the period ending on the same date. Cash in the petty cash box, recorded with petty cash vouchers, belongs under current assets.

How it works

• Total assets = current assets + non-current assets
• Total liabilities = current liabilities + non-current liabilities
• Balance check: total assets − (total liabilities + total equity) must be zero
• Working capital = current assets − current liabilities
• Current ratio = current assets ÷ current liabilities, two decimals
• Debt-to-equity = total liabilities ÷ total equity, two decimals

All sums are exact to the paisa or cent, and all of it runs in your browser.

Worked examples

A design studio at 31 March 2026 (the sample). Current assets ₹16,40,000 (cash ₹6,40,000, receivables ₹8,20,000, inventory ₹1,80,000) plus equipment and furniture ₹5,30,000 make ₹21,70,000. Liabilities are ₹4,35,000 current and ₹3,50,000 long-term; equity ₹13,85,000. Total liabilities and equity: ₹21,70,000 — “Balanced”. Working capital ₹12,05,000, Current ratio: 3.77, debt-to-equity 0.57.

The same sheet in pounds. Switching to GBP gives Total assets: £2,170,000.00.

A missing ₹25,000. With retained earnings entered as ₹5,60,000 instead of ₹5,85,000, equity falls to ₹13,60,000 and the tool reports Balance check: Off by ₹25,000.00.

Limits and tips

• The tool does not post entries or depreciate assets; enter net values yourself.
• It is a presentation template, not accounting advice or an audited statement.