Startup Financial Model
Free tool · by Daniel HaketModel your startup's next 24 months in seconds. Enter your cash, growth, churn, margin and burn, and this projects your MRR, cash runway and break-even — with a live chart. The kind of model founders usually pay a consultant, or a $200 spreadsheet, to build.
How to read your model
The blue line is your cash balance over 24 months — where it crosses the red $0 line is your runway, the month you'd run out of money at these assumptions. The green line is MRR. Break-even is the first month gross profit covers operating costs. Change one input at a time to see what really moves the needle — usually growth and churn matter far more than trimming a bit of cost. Treat it as a directional model, not a promise: reality is messier, so pressure-test the assumptions before you bet on them.
Frequently asked questions
What is a startup financial model?
A projection of your revenue, costs and cash over time based on assumptions like growth, churn and margin. It shows your runway, when you'll break even and whether the plan holds together — before you commit.
How is runway calculated?
It's how many months your cash lasts. Each month the model adds gross profit (MRR × margin) and subtracts operating costs; when the cumulative cash balance hits zero, that's your runway.
What's a healthy growth-to-churn balance?
Your MRR only grows when monthly growth exceeds churn. Sustainable SaaS keeps churn low (a few percent) while growth compounds — small changes to either dramatically alter the 24-month picture.
Is this accurate enough to raise on?
It's a solid directional model for planning and pitching, but investors will probe the assumptions. Track your real numbers against it — a tool like Databox helps — and refine as data comes in.
More free calculators
This tool is free and runs entirely in your browser. The link above is an affiliate link: we may earn a commission if you sign up, at no extra cost to you, and it never changes our honest take.