Startup Financial Model (3-Statement, Driver-Based)

$59 · Excel (.xlsx), works in Google Sheets and Numbers

Etsy title

Startup Financial Model Excel Template, 3 Statement Driver Based SaaS Pro Forma, Investor Ready Financial Projections

Description

This is a full 3-statement financial model for pre-seed and seed-stage founders, built in Excel from the ground up to be driver-based rather than a static set of guessed numbers. You enter customers, pricing, churn, headcount, and operating costs on a single Assumptions tab, and the model builds a 36-month Income Statement, Balance Sheet, and Cash Flow Statement, then rolls that detail up into a 5-year annual summary. The Balance Sheet actually balances, in every year, because every line traces back to the same underlying drivers instead of being plugged.

The workbook ships pre-populated with a sample two-stream B2B SaaS company (subscription plus add-on services) raising 2.4 million dollars in month one, so it opens as a working model rather than a blank template. Replace the sample assumptions with your own numbers and the entire model, including the Balance Sheet check row, the runway calculation, and the unit economics, recalculates automatically.

Built with AI assistance and formula-checked; formulas are fully open. Every non-input cell is a real Excel formula with cross-sheet references, not a hardcoded output, and nothing on the workbook is locked or hidden, so you can inspect or extend any calculation. A color legend (blue for inputs, black for formulas, green for links to other sheets) makes it easy to see what to edit and what to leave alone.

Beyond the three statements, the model includes a Unit Economics tab (CAC, LTV, LTV to CAC ratio, payback period), a Runway and Raise tab (months of runway, cash-out month if any, raise sizing, and a 5x5 growth-versus-churn sensitivity grid on Year-3 revenue built entirely with formulas), and a Charts tab with native Excel charts for revenue by stream, ending cash, and headcount, ready to drop into a pitch deck or data room.

This is a template for your own planning and fundraising work. It does not replace a CPA, banker, or lawyer, and you should have your own advisors review any numbers you use externally.

What is inside

• README: what the model does, how to use it, color legend, 6-step quick start
• Assumptions: every input, grouped by General, Revenue, Headcount, Opex, Capex, Working Capital, Financing, and Year 4-5 growth
• Monthly: full 36-month build, revenue through ending cash, with a low-cash warning flag
• Annual: 5-year Income Statement, Balance Sheet, and Cash Flow Statement (Balance Sheet checks to 0.00 every year)
• Unit Economics: CAC, LTV, LTV to CAC ratio, and payback period by year
• Runway & Raise: runway, cash-out month, raise sizing, and a growth-vs-churn sensitivity grid
• Charts: native Excel charts for revenue by stream, ending cash, and headcount over time

Etsy tags

• financial model
• startup budget
• excel template
• saas model
• 3 statement model
• pro forma
• cash flow model
• investor deck
• runway calculator
• unit economics
• revenue projection
• pitch deck excel
• financial planning

Gumroad description

A driver-based, 3-statement startup financial model in Excel: set your customers, pricing, churn, headcount, and spend on one Assumptions tab and get a 36-month build plus a 5-year Income Statement, Balance Sheet, and Cash Flow Statement that actually balances, along with CAC, LTV, LTV to CAC, runway, cash-out month, and a formula-built raise-sizing and sensitivity grid, all with open, unlocked formulas and a ready-to-use SaaS example already filled in.