The numbers a lender or investor asks for. Without becoming an accountant.

Answer plain questions about your business, and the model builds itself. You get an income statement, a balance sheet and a cash flow statement that move together, plus a Management Discussion written from the numbers.

Try it free

Free to build. $19 a month to save, export and compare.

The model

Three statements, one model

The income statement says what you earned. The balance sheet says what you own and owe on one day. The cash flow statement says where the money went.

They are linked, and that is the point. Profit flows into equity. The cash at the bottom of the cash flow statement is the cash on the balance sheet. Change one assumption and all three pages move together, or the model is wrong.

Who asks for it: a lender checking you can make the payments, an investor pricing the company, you, testing a plan before you spend a year on it.

Income statement

Revenue
Cost of revenue
Operating expenses
Interest and tax
Net income

Balance sheet

Cash
What else you own
What you owe
Equity
Check-

Cash flow

From operations
From investing
From financing
Change in cash
Cash at the end

Net income flows into Equity

Cash at the end is the same figure as Cash on the balance sheet

What is different here

Three things, and they are the hard three

A balance sheet that ties

Plenty of planning tools stop at profit and cash. This one carries every balance forward month by month: receivables, payables, inventory, deferred revenue, debt, equity.

A check row sits at the bottom and reads a dash in every column while assets equal liabilities plus equity. If it ever reads anything else, the model is telling you something is wrong.

A written Management Discussion

The written half of a plan is usually typed by hand and out of date the moment an assumption changes. Here the figures in it are live.

Change a price or a hire date and the sentences change with the pages. You add your own words where they belong, and the numbers stay right.

The lender's view

Debt service coverage, the lowest cash balance in each year and the month it happens, and the funding the plan needs to keep cash at or above zero.

The Sources and Uses page puts that on one sheet: where the money comes from, and where it goes.

We reviewed 28 products on 6 September 2026. Three of them sell a model with a real balance sheet at a price a founder can pay without a sales call. Several write prose, and every one of those calls it a business plan or an investor update, never a management discussion.

How it works

Three steps

Answer questions about your business

Start from a shape close to yours, or from a blank plan. Revenue, people, expenses, equipment, loans and raises are blocks you add and edit in plain fields. You never write a formula.

See the pages

Every page redraws as you type: Financial Summary, Income Statement, Balance Sheet, Cash Flow, Sources and Uses, and the Management Discussion.

Export or share

Print the whole pack in one job, or download an Excel workbook with a monthly sheet behind the statements. Exports come with a paid plan. A plan can always be saved as a JSON file.

Work through it

Start with the question you came with

Each one explains the thing in plain words, does the arithmetic on your numbers, and hands the answer to the app. All of them on one page.

Projections for an SBA loanWhat the lender actually wants, and the coverage test they run first. How much can I borrowThe largest loan your profit will carry, with the payment on it. How long the money lastsCash, burn, and the month it runs out, by name. How many you need to sellContribution per sale, and the units a month that cover your fixed costs. Cash needed for inventoryDeposit, lead time, and the low point an order puts you through. Sources and uses of fundsThe one page a lender asks for, and whether the two columns balance. What a hire really costsSalary plus payroll tax and benefits, by month and by year. One point of churnWhat a single point of retention is worth three years out. Twelve months of cashOpening, in, out and closing, with the lowest month called out. Profit and loss templateA P&L that fills itself in, and the cash it can't see. What investors expectWhat goes in the deck and what has to sit behind it. How to read a balance sheetWhat you own, what you owe, and why it balances. What a three statement model isThe three pages, how they link, and who asks for one.

Pricing

One plan free. Nineteen dollars a month to keep it.

Building is free and needs no sign-in. Every page is there, including the balance sheet and the Management Discussion. Paying saves your plans to your account, opens Excel and the print pack, and lets you put plans side by side.

Free

No sign-in. One plan, on this device.