Financial Planning
Finances
Build a clear picture of your startup's finances. Enter what you have, what you owe, what you earn, and what you spend — your balance sheet and income statement update live.
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— Select a Project —
You have view-only access to this project. Financial data is read-only.
Tell us three numbers — we\'ll fill the rest
We use your Project Essentials (industry, model, team) to distribute these across every field below in a sensible way. You can still edit anything after.
Cash on hand
$
Monthly spend
$/mo
Monthly revenue
$/mo
Click → we fill every field below using your industry profile.
Filled. Scroll down to review and edit anything that doesn\'t fit your case.
Value locator
Not sure where a value goes? Type it here.
1Capital & Cash
How much money you put in, how much is still in the bank
$
$
$
Total capital injected
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Cash remaining
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2Revenue
What you earn each month — used to compute growth and margins
$
$
Optional — leave blank if unknown
$
Monthly Recurring Revenue — subscriptions, contracts, retainers only. Subset of monthly revenue.
$
Total value of goods/services transacted on your platform (marketplaces)
Your % cut of each transaction (e.g., Airbnb ≈ 15%, Uber ≈ 25%)
Month-over-month growth
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Annual revenue pace
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ARR (MRR × 12)
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3Customers
Used to calculate growth rate, churn, and lifetime value
Net growth this month
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Monthly churn rate
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Revenue per customer
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4Team & Payroll
Employees drive your biggest recurring cost — track it separately
$
$
What you charge clients per hour (agencies, consultancies, services)
% of paid hours that are billable. Healthy: 65-80%.
Total monthly payroll
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Annual payroll
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Billable capacity (implied/mo)
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5Operating Costs
Everything you spend each month to keep the business running
$
$
$
Office, warehouse, retail, or restaurant space
$
Electricity, water, gas, internet for your business premises
$
Stripe/PayPal/card fees, bank transaction costs
$
Outbound shipping, fulfillment, warehousing, freight
$
Product development spend — prototypes, research, engineering
$
Catch-all for anything not captured above — software, insurance, legal, travel, etc.
$
Equipment & property losing value over time — typically equipment cost ÷ useful life (months)
$
Intangibles losing value over time — software licenses, patents, goodwill
Or tell us your country:
Total monthly cost
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D&A (monthly)
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Monthly burn rate
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Runway
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6Other Assets
Valuable things you own besides cash
$
$
$
$
Patents, trademarks, software IP, goodwill from acquisitions
Total other assets
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Total assets (incl. cash)
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7Liabilities (What You Owe)
Debts and bills the business needs to pay
$
$
$
$
Prepaid subscriptions or contracts — money received but service not yet delivered
Total liabilities
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Debt-to-assets ratio
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8Retained Earnings
Accumulated profits kept in the business over time
$
Can be negative if you've lost money overall
Total equity
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Equity % of assets
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9Balance Sheet
A snapshot of what the business owns and owes right now
Assets
Cash—
Receivables—
Inventory—
Equipment—
Intangibles—
Total assets—
Liabilities
Payables—
Short-term debt—
Long-term debt—
Deferred revenue—
Total liabilities—
Equity
Owner contributions—
Retained earnings—
Total equity—
10Income Statement
Monthly profit & loss — revenue → gross profit → EBITDA → EBIT → net income
Revenue—
(−) Cost of goods sold—
Gross profit—
(−) Payroll—
(−) Marketing—
(−) R&D—
(−) Rent, utilities & facilities—
(−) Payment processing & shipping—
(−) Other operating expenses—
EBITDA—
(−) Depreciation—
(−) Amortization—
Operating profit (EBIT)—
(−) Tax—
Net income—
11Key Financial Metrics
Health indicators derived from your inputs — margins, liquidity, leverage, unit economics
Profitability
EBITDA (monthly)
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EBITDA (annual)
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Gross margin
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EBITDA margin
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Operating margin
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Net margin
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Liquidity & Runway
Runway
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Monthly burn
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Working capital
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Current ratio
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Quick ratio
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Debt-to-equity
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Unit Economics
ARPU
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CAC
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LTV
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LTV:CAC
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CAC payback
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Monthly churn
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12Company Valuation
Estimates via multiple methods — the highlighted one best fits your business profile
These are rough estimates using standard formulas. Real valuations require professional analysis of market conditions, IP, team, traction, and other factors.
Saving marks this step as finished and updates the dashboard. Clear resets everything to zero.