%GST Calculator Pro
Free · Accounting Tools · Works on mobile

Balance Sheet Generator

Enter what you own and what you owe — get a clean, printable balance sheet with working capital and an automatic balance check.

Assets, liabilities & equity

Note: Results are for quick estimation and general information only, based on rates as commonly applicable in 2026. Always confirm figures with the official GST/Income Tax portals or a qualified professional before filing. See our full disclaimer.

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The balance sheet equation

Assets = Liabilities + Owner's Equity

A balance sheet is a photograph of the business on one date: everything it owns (assets), everything it owes (liabilities), and the owner's stake (equity). If the two sides don't match, something is missing or misclassified — this generator checks the equation for you and flags the exact difference.

Quick ratios from your balance sheet

  • Working capital = current assets − current liabilities. Negative means a cash crunch risk.
  • Current ratio = current assets ÷ current liabilities. Around 1.5–2 is comfortable for most trades.
  • Debt-to-equity = total loans ÷ equity. Lenders get nervous above 2.

Frequently asked questions

Why doesn't my balance sheet balance?

Usually a missing item: undrawn profits not added to retained earnings, a loan or advance left out, or drawings not reduced from capital. The generator shows the exact difference to hunt down.

What are retained earnings?

Accumulated profits kept in the business instead of being withdrawn. They belong to the owner, so they sit on the equity side.