Free calculator · for founders & small business

Know your runway to the month — before it becomes a problem.

Running out of cash is the top reason small businesses fail, and most founders find out too late. Enter your cash, burn, and revenue to see your real runway and zero-cash date in seconds — then model the whole year properly.

Done-for-you template

Small Business Financial Model

An investor-ready 3-statement model that actually balances.

  • Fully integrated P&L, cash flow & balance sheet — change one input, everything updates
  • Assumptions-driven: revenue growth, margins, headcount, OpEx, CapEx, loan, taxes
  • Built-in loan amortization schedule + working-capital (A/R, A/P) modeling
  • 12-month forecast + dashboard: revenue, net income, runway, lowest cash balance
  • Balances by construction (built-in check) · Excel & Google Sheets · no setup
$99one-time · instant download

Secure checkout via Stripe · Google Sheets & Excel · instant delivery by email.

Questions

What is a 3-statement financial model?

It links your income statement, cash-flow statement, and balance sheet so a change in one flows through all three. It's the standard way founders, lenders, and investors evaluate a business's future — and this one is built to that professional bar.

Do I need to be an accountant to use it?

No. You change the blue input cells on the Assumptions tab — starting cash, revenue growth, headcount, expenses, loan — and every statement plus the dashboard update automatically.

What exactly do I get?

A ready-to-use spreadsheet (Excel & Google Sheets): an assumptions tab, a full monthly model (P&L, working capital, cash flow, balance sheet, loan schedule), and a summary dashboard — delivered instantly after checkout. AI-assisted, human-built; not financial advice.