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Christina — Cowgirl CPA
CPA · Ag Financial Advisor
14+ years in agriculture finance, former Farm Credit Relationship Manager, and creator of Lone Cowgirl Company.
Free Download

Your Schedule F,
in a Spreadsheet That Works

A professional Excel template with every IRS Schedule F field, auto-calculating formulas, 6 financial ratios, and industry benchmarks for 10 operation types. Works in Excel and Google Sheets.

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Auto-Calculating Formulas

Net profit, operating margin, and all 6 key ratios computed automatically as you enter numbers.

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Industry Benchmarks

Compare your operation against USDA averages for cattle, dairy, row crop, specialty, and 6 more operation types.

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Plain-English Guide

Every ratio explained in operator-friendly language with action thresholds. No accounting degree required.

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What's Inside the Template

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7 Income Fields

Livestock sales, co-op distributions, ag programs, CCC loans, crop insurance, custom hire, and other income. All with IRS line references.

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25 Expense Categories

Every Schedule F Part II expense line from car & truck to vet & medicine. Drop-in your numbers, see instant totals.

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6 Key Ratios

Operating margin, expense ratio, depreciation intensity, debt load, labor efficiency, and government dependency — auto-calculated.

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10 Operation Type Benchmarks

Cattle, dairy, row crop, specialty, poultry, hog, hay, timber, vineyard, and diversified — with typical margins and top expenses.

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Expense Breakdown Table

Every expense as a % of income, auto-ranked. Select the data and insert a chart for an instant visual breakdown.

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Insight Guidelines

A full reference sheet explaining what each ratio means, what to watch for, and specific action thresholds — in plain English.

Go Deeper
Schedule F Deductions: What You Can (and Can't) Claim
A plain-English walkthrough of every Schedule F expense category — what's deductible, what's not, and where farmers most often overclaim or underclaim.
Read the Guide →

Want a deeper analysis? Try the online decoder.

The decoder runs your numbers through 9 insight generators and compares you against industry benchmarks in real time.

Decode Your Schedule F — Free