Build a real financial
model for your business
Not AI guesswork — Excel with live formulas. Describe your idea or upload the data and files you already have, and get an .xlsx you'll be proud to show investors.
- Built to meet the standards banks expect from a financial model
- Gives investors what they look for: transparent formulas and clear reports
See right away whether your funding is enough — or whether the money runs out too soon
Accounts for VAT changes once your business outgrows revenue thresholds
StartoPlan builds in seasonality, so January isn't treated like December
Applies the VAT rate and exemptions that fit your business
Models a gradual ramp-up to target revenue — not “a million from month one”
Shows how much an investor stands to earn under your scenario
Spots cash gaps on paper before they hit for real
Shows the exact month your business starts paying for itself
Calculates the break-even point for every line of business
Test your idea under a simplified and a standard tax regime
Calculates unit economics and margins for every product or service
Plans for team growth, base pay and bonuses
Includes fixed sole-trader contributions plus the extra 1% on income
Produces the three core statements: P&L, cash flow and balance sheet
Run the same business under two tax regimes — and compare the outcome
See right away whether your funding is enough — or whether the money runs out too soon
Accounts for VAT changes once your business outgrows revenue thresholds
StartoPlan builds in seasonality, so January isn't treated like December
Applies the VAT rate and exemptions that fit your business
Models a gradual ramp-up to target revenue — not “a million from month one”
Shows how much an investor stands to earn under your scenario
Spots cash gaps on paper before they hit for real
Shows the exact month your business starts paying for itself
Calculates the break-even point for every line of business
Test your idea under a simplified and a standard tax regime
Calculates unit economics and margins for every product or service
Plans for team growth, base pay and bonuses
Includes fixed sole-trader contributions plus the extra 1% on income
Produces the three core statements: P&L, cash flow and balance sheet
Run the same business under two tax regimes — and compare the outcome
See what
your file will look like
From a short description to a finished .xlsx with formulas — in a couple of minutes.
Investors, banks and grant committees see formulas they can trace — and say yes. Your model will be just as solid.
Three steps
to your model
AI only helps gather the inputs. The calculation itself runs on a deterministicNo randomness: the same inputs always produce the same result. It's Excel formulas doing the math, not a model guessing. engine and Excel formulas.
Describe your business
“A 60 m² coffee shop in a residential area, two baristas.”
AI suggests the inputs
Floor space, salaries, tax regime, average ticket and seasonality. You can edit everything by hand.
Get your .xlsx
Real formulas, linked sheets, P&L, cash flow, payback. Opens in Excel and Google Sheets.
AI makes things up
Formulas don't
Financial models generated by AI fall apart at the first review. We give you real Excel: every number is a formula you can open, follow and change.
What's inside
the file
The sheets aren't isolated — they're wired together. Over 400 formulas and links: change an input and the entire model recalculates.
Inputs
Every project assumption on one sheet — the source for the whole model.
Reference data
Rates, tariffs and coefficients shared across calculations.
Revenue
Sales by channel, seasonality, average ticket.
Staff
Headcount plan, salaries, payroll taxes.
Expenses
Rent, marketing, variable costs.
Investment
Launch and growth capex, funding schedule.
Taxes
Choice and calculation of the tax regime that fits.
Statements
P&L, cash flow and balance sheet — month by month.
Summary
Payback, NPV, IRR — the project's headline numbers.
Inputs
Every project assumption on one sheet — the source for the whole model.
Reference data
Rates, tariffs and coefficients shared across calculations.
Revenue
Sales by channel, seasonality, average ticket.
Staff
Headcount plan, salaries, payroll taxes.
Expenses
Rent, marketing, variable costs.
Investment
Launch and growth capex, funding schedule.
Taxes
Choice and calculation of the tax regime that fits.
Statements
P&L, cash flow and balance sheet — month by month.
Summary
Payback, NPV, IRR — the project's headline numbers.
Describe your business
Get the Excel
A couple of sentences about your idea is all it takes — we'll handle the rest.