SaaS Financial Model Template
Build a 24-month SaaS forecast in your browser — or download the free Excel and Google Sheets template. Enter your MRR, growth, churn, margin, and costs to project ARR, customers, burn, cash runway, and break-even, compare scenarios, and export to CSV. No signup required.
How It Works
1
Enter your starting point
Add your current MRR, ARPU, gross margin, and cash. The model uses these to set your starting customer count and the first month of the forecast.
2
Set your monthly drivers
Dial in new-customer acquisition and its growth, churn, expansion, operating expenses, and how fast costs rise as you hire. These drive all 24 months.
3
Read the forecast and export it
See projected MRR, ARR, customers, burn, cash, runway, and break-even month across conservative, base, and upside scenarios in the browser calculator, or download the free Excel and Google Sheets template to keep building in a spreadsheet.
Model Assumptions
Enter your starting point and monthly drivers
Starting MRR ($)
ARPU — avg revenue per customer / month ($)
New customers in month 1
Monthly new-customer growth (%)
Monthly churn (%)
Monthly expansion (%)
Gross margin (%)
Starting cash ($)
Monthly operating expenses ($)
Monthly opex growth — hiring ramp (%)
24-Month Forecast
Projected from your assumptions — nothing leaves your browser
Enter at least starting MRR, ARPU, and gross margin to build your forecast
Download the SaaS Financial Model Template
Prefer to build in a spreadsheet? Download the free Excel template — a seven-tab SaaS financial model you can open in Excel or Google Sheets, edit line by line, and share with investors. All formulas included; no signup required.
Free — no email required. Works in Microsoft Excel, Google Sheets, and Numbers.
What's inside the workbook
- Start Here — Guided setup and how to use the model
- Assumptions — Your growth, churn, pricing, and cost drivers
- Revenue Model — MRR, ARR, new, churned, and expansion build
- Cost Structure — COGS, gross margin, and operating expenses
- Cash Flow — Runway, burn, and break-even month by month
- Unit Economics — CAC, LTV, payback, and NRR
- Dashboard — Investor-ready charts and headline metrics
How to Build a SaaS Financial Model
What Is a SaaS Financial Model?
A SaaS financial model turns your operating assumptions — how many customers you win, what they pay, how many churn, and what it costs to run the business — into a month-by-month forecast of revenue, cash, and profitability. It is the bridge between a founder's plan and the big decisions: when to hire, how much runway you have, and whether you need outside capital. This template builds a 24-month forecast from ten inputs and runs entirely in your browser, so none of your numbers leave your device — or you can download the Excel template above and build the same model in Excel or Google Sheets. For the deeper walkthrough, read our guide to SaaS financial models.
The Drivers That Shape the Forecast
A model is only as good as its assumptions. Five drivers do most of the work:
New-customer acquisition and its growth rate — how many accounts you add each month, and whether that number is rising. Model your top-line growth precisely with the Growth Rate Calculator.
Churn — the share of customers who leave each month. Small changes compound dramatically over 24 months. Pin yours down with the Churn Rate Calculator.
Expansion — net upsell from existing customers, which offsets churn and lifts net revenue retention. Check yours with the NRR Calculator.
Gross margin — revenue left after cost of goods sold, which determines how much of each new dollar funds the business.
Operating expenses and their growth — your fixed spend and how fast it rises as you hire. This lever most often pushes break-even later than founders expect.
Reading Cash, Runway, and Break-Even
The model tracks cash from your starting balance, adding each month's gross profit and subtracting operating expenses. Two outputs matter most. Break-even month is the first month operating profit turns positive — the point the business funds itself. Runway is how many months of cash remain at your current burn. When break-even sits comfortably inside your runway, the plan is self-funding; when cash dips toward zero first, the forecast is telling you the plan needs more capital or a leaner cost base. Model runway on its own in more detail with the SaaS Runway Calculator and Burn Rate Calculator.
When the Model Argues for Capital — and When It Doesn't
A good model can just as easily tell you not to raise. If you reach break-even inside your runway, capital only buys speed you may not need. But when the forecast shows profitable unit economics and a cash gap before break-even — growth spend outrunning cash — that gap is exactly what non-dilutive capital is built to close. You fund the hiring, marketing, and product in the plan and repay from revenue as it arrives, so margins stay intact and you keep 100% of your company.
Founderpath provides revenue-based financing to bootstrapped SaaS founders — funding the plan your model forecasts without dilution, board seats, or loss of control.
Related SaaS Calculators
A financial model pulls together the metrics each of these calculators measures. Use them to sharpen the assumptions behind your forecast:
Financial Health
Burn Rate Calculator — Calculate net burn rate, cash runway, and burn multiple
ARR Calculator — Calculate annual recurring revenue from monthly subscriptions and annual contracts
MRR Calculator — Break down new, expansion, contraction, and churned MRR
Churn Rate Calculator — Measure customer and revenue churn with annualized projections
NRR Calculator — Track net revenue retention and gross revenue retention rates
Growth Rate Calculator — Calculate MoM, YoY, and CAGR growth rates from revenue data
Break-Even Calculator — Find the units and revenue needed to cover all costs and reach profitability
EBITDA Margin Calculator — Calculate EBITDA margin and benchmark against SaaS and industry norms
SaaS Runway Calculator — See how many months of cash you have left and model scenarios to extend it
Customer Metrics
CAC Calculator — Measure customer acquisition cost and LTV:CAC ratio
LTV Calculator — Calculate customer lifetime value, lifespan, and LTV:CAC ratio
Payback Period Calculator — Calculate how long it takes to recover customer acquisition costs
Viral Coefficient Calculator — Measure your K-factor and model viral growth scenarios
Pricing & Valuation
Markup Calculator — Calculate markup percentage, selling price, profit, and gross margin
Equity Dilution Calculator — Model how funding rounds affect founder ownership over time
SaaS Valuation Calculator — Estimate your company value using ARR multiples and growth-rate benchmarks
Revenue Multiple Calculator — See what ARR multiple your growth rate, NRR, and gross margin justify
Rule of 40 Calculator — Score your growth-plus-profitability against the Rule of 40 benchmark
Your model shows the plan — capital makes it real.
Founderpath funds the growth your forecast depends on, without dilution.
A financial model tells you when hiring, marketing, and product spend outrun your cash. Non-dilutive capital lets you fund that plan and repay from revenue — so you can hit the forecast without selling equity or resetting the model around a raise.
When the forecast shows growth spend outrunning cash before break-even, non-dilutive capital bridges the gap — you execute the plan instead of cutting it back to fit the runway.
Turn recurring revenue into upfront capital to lengthen the runway your model projects — no equity, no board seats, no warrant coverage.
Revenue-based financing means payments flex with revenue as it comes in, so the profitability line in your model stays intact while you invest in growth.
Compare your growth, churn, and margin inputs against thousands of SaaS companies at your ARR stage so the model rests on realistic numbers, not hopeful ones.
Connect your billing data and get a funding offer within 48 hours — no pitch decks, no term sheet negotiations, no months of diligence.
Frequently Asked Questions
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