Free Financial Projection Simulator
Enter your revenue and cost assumptions to auto-generate a 3-year projected income statement and cash flow table. Visualize your break-even point instantly.
Revenue Items
| Product / Service | Monthly Qty | Unit Price ($) | Monthly Rev. |
|---|
Annual Growth Rate
3-Year Revenue Forecast
Year 1
$0
Year 2
$0
Year 3
$0
The "calculation basis" in your financial projection determines whether you pass review
Just filling in numbers isn't enough anymore. An expert will help you build market-data-backed revenue estimates and cost structures that reviewers find credible.
Business plans with expert review have 2.3x higher government project selection rate
Financial projections are the most critical -- and often most daunting -- part of any business plan. This simulator auto-generates a 3-year projected income statement and cash flow table from your revenue and cost assumptions, so you can validate your business case with real numbers.
Key Features
Revenue Estimation
Enter the monthly quantity and unit price for each product or service. Set an annual growth rate and the tool automatically projects Year 2 and Year 3 revenue.
Cost Estimation
Separate fixed costs (rent, payroll, insurance, etc.) from variable costs (materials, outsourcing as a % of revenue). Variable costs scale automatically with revenue changes.
Projected Income Statement
Auto-generated P&L for 3 years, showing revenue, COGS, gross profit, SG&A, operating profit, estimated tax, and net income at a glance.
Cash Flow Table
Simulate 12 months of cash flow in Year 1 based on your initial capital. Negative cumulative balances are highlighted in red so you can anticipate funding needs early.
Break-Even Analysis
Automatically calculates the break-even revenue based on your fixed and variable cost structure. A visual bar shows whether your projected revenue clears the threshold.
How to Use
Step 1: Revenue Estimation
In the 'Revenue' tab, enter the monthly quantity and unit price for each product or service. Set the annual growth rate for a 3-year projection.
Step 2: Cost Estimation
In the 'Costs' tab, add fixed cost items (rent, payroll, etc.) and variable cost items (materials, outsourcing as a percentage of revenue).
Step 3: Review P&L
In the 'P&L' tab, review the 3-year income statement and break-even analysis.
Step 4: Plan Cash Flow
In the 'Cash Flow' tab, enter your initial capital and review the monthly cash flow table and required funding amount.
Tips
Be Conservative
Estimate revenue on the low side and costs on the high side. Early-stage businesses often experience slower-than-expected revenue ramp-up, so keep your growth rate modest.
Separate Fixed and Variable Costs
Costs that occur regardless of sales (rent, salaries, insurance) should be fixed costs. Costs that scale with revenue (materials, commissions) should be variable. Proper classification is essential for an accurate break-even analysis.
Build a Cash Buffer
Plan for 1.5x to 2x the required funding amount. This provides a safety margin for unexpected expenses or revenue delays.
FAQ
Can I change the tax rate?
The current version uses a simplified 10% tax rate on operating profit. For precise tax calculations, consult a qualified accountant.
Can I use these results directly in a business plan?
This tool provides a solid framework. However, investor-ready business plans may require more detailed assumptions and supporting evidence.
Can I set different growth rates for each year?
The current version applies a uniform growth rate across Year 2 and Year 3. For year-specific rates, use the Excel version.