Software built for founders who run on numbers.
Web apps for startup financial modeling and personal finance. Built from the same frameworks used in our books and consulting.
Financial Model Builder
A full 5-year financial model you can build directly in the browser. Three scenarios, hiring plan, unit economics, sensitivity analysis, and a board-ready report. Free to explore; subscribe to export to Excel, PDF, or slides.
- 5-year P&L, cash flow, and balance sheet
- 3 scenarios: base, bull, and bear
- Hiring plan with department-level detail
- Unit economics and sensitivity analysis
- Board report with 17 built-in charts
- Export to Excel or PDF
- One-click Pitch Deck generator with guided narrative builder
Assumptions
Central control panel for your entire financial model. Set revenue growth drivers, churn rates, pricing tiers, marketing spend, and fundraising parameters. Every number in the model flows from these inputs, making scenario planning instant.
Hiring Plan
Build a department-level headcount plan with roles, salaries, start months, and burden rates. The hiring plan automatically feeds into your P&L as the largest operating expense and, in Sales mode, directly drives revenue projections.
Unit Economics
Live calculation of CAC, LTV, LTV:CAC ratio, payback period, and net revenue retention. Answers the investor question: does your business model actually work at scale? Benchmarked against SaaS industry standards.
Customers
Customer acquisition funnel and cohort analysis. Track how leads convert to paying customers, monitor expansion and contraction revenue, and visualise retention curves by signup month.
P&L (Profit & Loss)
Full 60-month income statement with monthly, quarterly, and annual views. Revenue, COGS, gross margin, departmental OpEx, EBITDA, and net income. Toggle between Base, Bull, and Bear scenarios instantly.
Cash Flow
Monthly cash balance projection showing operating cash flow, capital expenditure, and funding events. Visual runway indicator flags when cash falls below critical thresholds. Answers: when do we run out of money?
Board Report
17 pre-built charts covering revenue growth, burn rate, unit economics, hiring trajectory, and cash runway. Designed to be exported as a board-ready PDF with one click.
Cap Table
Fully diluted ownership model across Founders, Seed, Series A, Series B, and ESOP pool. See exactly how each fundraising round dilutes your equity and plan your negotiation strategy.
Fundraising
Stage-specific readiness scorecard for Seed, Series A, and Series B. Grades your metrics against investor benchmarks, identifies gaps, and shows milestone timelines so you know when to start your raise.
Valuation
Blended valuation using four methods: Revenue Multiple, ARR Multiple, EBITDA Multiple, and DCF. Select your industry vertical and compare against real market multiples to set realistic expectations.
Audit
Automated model health check that scans for common errors: negative cash, unrealistic growth, hiring gaps, and metric inconsistencies. RAG-rated findings with specific recommendations to fix each issue.
Pitch Deck Builder
Guided questionnaire that walks you through 13 key narrative questions investors expect: problem, solution, traction, business model, competition, team, and the ask. Each question includes real examples. Hit Generate to combine your answers with financial model data into a 15-slide investor-ready PowerPoint deck. One-click export.
How to Use
Step-by-step guide built into the app. Walks through each tab in order, explains what to enter, shows how formulas connect, and provides troubleshooting tips for common issues.
Personal Finance & Startup Tools
18 interactive personal finance tools plus a full startup financial model builder. Budget with the 50/30/20 rule, plan debt payoff, optimize taxes, calculate retirement, and more. Subscribe to save your data and export.
- APR and loan cost calculators
- 50/30/20 budget allocator
- Debt payoff strategies
- Tax-optimized investing
- Retirement planning and financial health score
- 18 interactive tools in one app
APR Calculator
True annual percentage rate calculator that accounts for fees, compounding, and loan terms. Compare loan offers on an equal basis to find the lowest real cost of borrowing.
Loan Comparison
Side-by-side comparison of up to 3 loan offers with different rates, terms, and fee structures. Shows total cost over the life of each loan with amortisation schedules.
Mortgage Calculator
Monthly payment calculator with PMI, property tax, and insurance estimates. Adjustable down payment and term length to see how each variable affects affordability.
Refinance Analyser
Break-even analysis for mortgage refinancing. Factors in closing costs, rate differential, and remaining term to show exactly when refinancing pays off.
Budget Planner (50/30/20)
Automatic budget allocation using the 50/30/20 framework. Input your after-tax income and expenses, and see whether your spending on needs, wants, and savings hits healthy targets.
Debt Payoff
Avalanche and Snowball strategy comparison. Enter all debts with balances, rates, and minimum payments. See the optimal payoff order, total interest saved, and your debt-free date.
Emergency Fund
Calculate your target emergency fund based on monthly expenses and risk tolerance (3, 6, or 12 months). Track progress and see how many months of coverage you currently have.
Net Worth Tracker
Consolidated assets minus liabilities with category breakdown. Track net worth over time with visual trends showing your trajectory toward financial independence.
Retirement Planner
Project retirement readiness using the 25x rule, expected Social Security, and current savings rate. Adjustable retirement age shows how working one more year changes the outcome.
Investment Growth
Compound growth projections with adjustable return rates, monthly contributions, and inflation. See how your portfolio grows over 5, 10, 20, or 30 years with interactive charts.
Tax Optimiser
Tax-bracket-aware analysis showing the impact of retirement contributions, capital gains, and deductions on your effective tax rate. Answers: where should I put my next dollar?
Rent vs. Buy
Housing decision framework comparing renting vs. buying over 5-30 years. Factors in appreciation, maintenance, opportunity cost of down payment, and tax benefits.
Credit Card Payoff
Minimum payment trap calculator showing how long payoff takes at minimum vs. fixed payments. Visualises total interest paid and motivates accelerated payoff.
Savings Goals
Track multiple savings goals with target amounts, deadlines, and monthly contributions. Progress bars and projected completion dates for each goal.
Insurance Needs
Life insurance needs calculator based on income replacement, debts, dependents, and existing coverage. Answers: how much coverage do I actually need?
Education Fund
529 plan and education savings projector. Estimates future tuition costs with inflation and shows required monthly contributions to fully fund education.
Financial Health Score
Comprehensive scoring across 8 dimensions: emergency fund, debt-to-income, savings rate, insurance, retirement progress, and more. Colour-coded status with specific action steps.
Startup Financial Model
Full 5-year financial model builder matching the standalone Financial Model Builder app. Build P&L, cash flow, hiring plans, and investor-ready projections directly within the personal finance toolkit.
Need a custom model?
Our services team builds investor-ready financial models tailored to your business.
View Services