Example result
Here's what you get — a real example generated by the tool:
## ASSUMPTIONS
| Parameter | Value | Notes |
| --- | --- | --- |
| Business Model | SaaS (monthly subscription) | Monthly recurring revenue |
| Starting Capital | €150,000 | Pre-seed round |
| Month 1 MRR | €2,000 | ~10 customers at €200/mo |
| Monthly Growth Rate | 15% | Aggressive, achievable in early stage |
| Gross Margin | 75% | SaaS industry standard |
| Monthly Churn | 4% | Good retention assumed |
| Customer Acquisition Cost | €800 | Paid + organic blended |
| Average Contract Value | €200/mo | SMB market |
| Headcount M1-M6 | 2 FTE | Founders |
| Headcount M7-M12 | 3 FTE | +1 developer |
## P&L — MONTHLY YEAR 1
| Metric | M1 | M2 | M3 | M4 | M5 | M6 | M7 | M8 | M9 | M10 | M11 | M12 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Net Revenue | 2,000 | 2,300 | 2,645 | 3,042 | 3,498 | 4,023 | 4,626 | 5,320 | 6,118 | 7,036 | 8,091 | 9,305 |
| COGS | 500 | 575 | 661 | 760 | 875 | 1,006 | 1,157 | 1,330 | 1,530 | 1,759 | 2,023 | 2,326 |
| Gross Profit | 1,500 | 1,725 | 1,984 | 2,282 | 2,623 | 3,017 | 3,469 | 3,990 | 4,588 | 5,277 | 6,068 | 6,979 |
| Gross Margin % | 75% | 75% | 75% | 75% | 75% | 75% | 75% | 75% | 75% | 75% | 75% | 75% |
| Salaries | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | 10,000 | 10,000 | 10,000 | 10,000 | 12,000 | 12,000 |
| Marketing | 1,500 | 1,500 | 1,500 | 1,500 | 2,000 | 2,000 | 2,000 | 2,500 | 2,500 | 2,500 | 3,000 | 3,000 |
| Software/Tools | 500 | 500 | 500 | 500 | 500 | 500 | 500 | 500 | 500 | 500 | 500 | 500 |
| Total OpEx | 10,000 | 10,000 | 10,000 | 10,000 | 10,500 | 10,500 | 12,500 | 13,000 | 13,000 | 13,000 | 15,500 | 15,500 |
| EBITDA | -8,500 | -8,275 | -8,016 | -7,718 | -7,877 | -7,483 | -9,031 | -9,010 | -8,412 | -7,723 | -9,432 | -8,521 |
| Monthly Cash Flow | -8,500 | -8,275 | -8,016 | -7,718 | -7,877 | -7,483 | -9,031 | -9,010 | -8,412 | -7,723 | -9,432 | -8,521 |
| Cumulative Cash | 141,500 | 133,225 | 125,209 | 117,491 | 109,614 | 102,131 | 93,100 | 84,090 | 75,678 | 67,955 | 58,523 | 50,002 |
## UNIT ECONOMICS
| Metric | Value | Benchmark | Status |
| --- | --- | --- | --- |
| Avg Revenue Per Customer | €200/mo | — | ✅ |
| Customer Acquisition Cost | €800 | — | ✅ |
| Monthly Churn Rate | 4% | <5% good | ✅ |
| Customer Lifetime | 25 months | — | ✅ |
| Lifetime Value (LTV) | €3,750 | — | ✅ |
| LTV/CAC Ratio | 4.7x | >3x good | ✅ |
| CAC Payback Period | 5.3 months | <12mo good | ✅ |
| Gross Margin | 75% | >60% good | ✅ |
| Break-even Month | M28 | — | ⚠️ Consider revenue acceleration or cost reduction |
Frequently Asked Questions
What file format do I get?
You get a professional .xlsx Excel file with 5 structured sections: Assumptions, Monthly P&L (Year 1, month by month), Annual Summary (Years 1-3), Cash Flow Statement, and Unit Economics with benchmarks. You can open it in Excel, Google Sheets, or LibreOffice and edit every number directly.
How is this different from asking ChatGPT for a financial model?
ChatGPT can list what metrics to include but cannot create an Excel file where changing your churn rate in Month 1 updates all 36 months of P&L, cash flow, and unit economics automatically. This tool delivers a structured, editable spreadsheet — not a wall of text you have to manually recreate.
Why is this cheaper than Finmodelslab or ProjectionHub?
Finmodelslab sells static templates at $129-499 filled with industry averages — you still have to replace every number yourself. ProjectionHub charges $25/month. This tool generates a model from your actual inputs for a one-time €24.99, no account, no subscription, nothing to set up.
How fast do I get my financial model?
Within 30 seconds of payment. The model is generated instantly and you can download the .xlsx file immediately. No email, no waiting, no back-and-forth.
Is this detailed enough for a real investor or bank?
Yes. The model covers everything institutional seed investors and banks request: 36-month P&L, cash flow statement, unit economics (LTV/CAC, payback period, gross margin, magic number), and a summary dashboard. Every metric is benchmarked and flagged if it falls below investor expectations.
Can I edit the model after downloading?
Yes. The .xlsx file is fully editable. Change any assumption — growth rate, cost line, churn rate — and update the projections to model different scenarios. Many founders use it as the base and adjust specific cells for their exact situation.
Can I get a refund if the model doesn't match my business?
Yes. If the financial model is not usable for your business type or the projections are clearly off, contact us within 24 hours for a full refund. No questions asked.