Financial Model Builder

Deterministic 5-year financial projections across 10 business types — revenue, P&L, cash flow, balance sheet, valuation and scenario analysis. Free, no sign-up.

SaaS Assumptions

Subscription-based software revenue model with MRR, ARR, and customer metrics.

👤 Your Details

Your Email (for updates)

💰 Revenue Model

Monthly Subscription Fee per Customer ($)

Base monthly subscription fee per customer

Additional Usage Fees per Customer ($)

Additional monthly usage fees - API calls, storage, etc.

Expansion Revenue Rate (%)

Monthly expansion revenue as % of base revenue - upsells, add-ons

Annual Contract % (%)

Percentage of customers paying annually

Annual Discount % (%)

Discount given for annual payments

👥 Customer Growth

Starting Customers

Number of paying customers at start

Growth Rate Year 2 (%)

Growth Rate Year 3 (%)

Growth Rate Year 4 (%)

Growth Rate Year 5 (%)

Monthly Churn Rate (%)

Monthly customer churn rate

📊 Cost of Goods Sold

Monthly Hosting Cost per Customer ($)

Monthly hosting/infrastructure cost per customer

Monthly Support Cost per Customer ($)

Monthly customer support cost per customer

Payment Processing Fees (% of Revenue)

Payment processing fees as % of revenue

👥 Team & Salaries

Starting Team Size

Initial team size (full-time employees)

Average Annual Salary ($)

Average annual salary per employee

Team Growth Rate (%)

Annual team growth rate

🎯 Customer Acquisition

Customer Acquisition Cost ($)

Customer acquisition cost per customer

Sales & Marketing (% of Revenue)

💼 Operating Expenses

Monthly Technology Costs ($)

Monthly technology costs - software, tools, infrastructure

R&D (% of Revenue)

General & Administrative (% of Revenue)

Monthly Office Costs ($)

Monthly office rent and utilities

📈 Depreciation & Amortization

Equipment Depreciation Rate (%)

Annual depreciation rate for equipment

Software Amortization Rate (%)

Annual amortization rate for software/IP

Initial Equipment Value ($)

Initial equipment and hardware value

Initial Software Value ($)

Initial software and IP value

🏦 Debt & Interest

Initial Debt Amount ($)

Initial debt/loan amount

Annual Interest Rate (%)

Annual interest rate on debt

Debt Repayment Years

Loan repayment period (years)

💰 Working Capital

Days in Accounts Receivable

Average days to collect revenue

Days in Accounts Payable

Average days to pay suppliers

Prepaid Expenses (% of OpEx)

Accrued Expenses (% of OpEx)

Minimum Cash Balance ($)

Minimum cash balance to maintain

🚀 Capital Raising

Initial Capital Raise ($)

Initial seed/Series A funding

Year 2 Capital Raise ($)

Year 3 Capital Raise ($)

Year 4 Capital Raise ($)

Year 5 Capital Raise ($)

Automatic Capital Raise

Automatically raise capital when cash goes negative

🏛️ Financial & Tax

Initial Setup Cost ($)

One-time setup costs - legal, incorporation, initial development

Corporate Tax Rate (%)

Corporate income tax rate

💻

Set your assumptions above and generate a 5-year financial model.