AIA financial analyst that researches your market

A business financial model in one evening. Without a single formula

Describe your business in plain words and the AI assistant builds a financial model with the prices, rent and salaries of your city. FinModel calculates profit, taxes and cash on hand month by month and explains every number.

Try free for 7 days Open the demo, no sign-up
  • No card required
  • 15 ready-made models
  • Cancel in one click
AI
Rent is 30% below the market6 listings nearby checked
Apply
+8% priceand you break even 3 months earlier
!
Cash gap in Februaryshort $14,200 at the lowest point
Coffee shop DashboardGoalsProfitCash
Monthly revenue$21.4Ktotal $372K
Monthly profit$6.3Kmargin 29.4%
Break-evenmonth 8March 2027
Cash balance BasePessimistic
AugOctDecFebAprJun
Coffee and food: 2,272 sales × $4.80 = $10,906
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19building blocks
15ready-made templates
150+currencies
2 minfrom a description to a model
Nineteen blocks
Recurring incomeProduct or service salesSubscriptionsSales funnelHourly workSeasonalityStaffRent and utilitiesMarketingOne-off purchasesInventory in batchesLoansLeasingInvestment roundsDepreciationTaxesDeferred paymentsOwner payoutsInflation

Spreadsheets get abandoned by the third evening

=IF(AND($B$4>0,C7<>""),
ROUND(C7*$D$2*(1+$E$2)^(C1-1),0),0)

Formulas instead of meaning

To answer a simple question you first have to write something like this, and a month later remember what it does.

One broken cell ruins the model

A shifted reference or an extra zero is not highlighted. The file looks convincing and shows profit that will never happen.

Someone else’s template is a maze

A template from the internet is a thousand cells of someone else’s logic. Starting over is easier than finding where the total comes from.

Try it right here

Move the sliders and see whether a café pays off

A tiny version of the engine. The full model adds staff, taxes, loans, seasonality and explains every number.

Monthly revenue-
Monthly profit-
Break-even, sales a day-
Investment pays back in-

Cash over 24 months, with sales ramping up over the first six months. A rough estimate before taxes.

Open the full coffee shop model

How it works

Three steps instead of a forty-tab spreadsheet

Pick blocks, type your numbers, get a month-by-month forecast for one, two or three years.

  1. Step 1

    Add blocks

    Sales, subscriptions, staff, rent, ads, loans, taxes. Choose what your business is made of, like items in a basket.

    Coffee and food sales
    Baristas
    Rent
    Start-up loan
  2. Step 2

    Type your numbers

    Plain fields instead of formulas: price, sales, salary, interest rate. The model recalculates on every keystroke.

    4.80
    1,800

    Sales in the first month

    Monthly profit $4,830

  3. Step 3

    Click any number

    See what it is made of, in words rather than a formula. Works for every cell in every report.

    Coffee sales10,906
    Total income10,906
    Baristas3,180
    Total income for March 2027: $10,906. The income rows above are added up.

AI assistant

An analyst that researches the market and never edits without asking

The assistant sees the whole model and its results. It checks every idea with the same engine that calculates your reports, so the numbers in the chat match the numbers in the model.

1

Builds a model from a description

“A three-chair barbershop in Austin, I have $20K.” The assistant asks a couple of questions and assembles revenue, staff, rent, start-up costs and taxes.

2

Researches the market with sources

Average ticket and competitor prices, rent per square meter, salaries, seasonality and competitors nearby. Every figure links to where it came from.

3

Proposes changes, you decide

Each change comes as a card: what changes and how profit, cash and break-even move. Apply it or skip it.

How the AI assistant works

Interface

Everything in sight, nothing hidden

No hidden sheets or formula tabs. Three screens one click apart, and any number explains itself.

DashboardKey numbers, cash balance and monthly profit for every scenario at once
Price per unit
$4.80$5.95+24%
Sales per month
1,8005,580×3.1
Cost of goods
32%17%lower
GoalsSay how much you want to earn and FinModel shows what has to change to get there
revenueprofit
AnalyticsA waterfall shows which expense eats the most revenue

What’s inside

It handles what homemade spreadsheets trip over

Profit and cash are different things

Profitable businesses close when there is no cash at the right moment. FinModel keeps a profit and loss statement and a cash flow forecast side by side and warns you about the gap in advance.

Cash runs out in February 2027. At the lowest point you are short $14,200

What-if scenarios

Two sliders instead of three copies of the file: sales 30% lower, costs 10% higher. You see at once whether the business survives.

Model check-up

FinModel notices what was forgotten: taxes, payroll costs on top of salaries, 20% monthly growth (that is ninefold in a year), margins that do not exist.

Investor report

One click gives a PDF with conclusions in words, charts and yearly totals. Excel export is there when someone insists.

Every number explains itself

Click a number in any report and read what it is made of: “2,272 sales × $4.80”. No formula hunting.

Any currency, taxes accrued like the tax office does

Tax is accrued from the start of the year, so a loss-making month lowers the tax of the following months. Taxes on revenue, on profit, or a fixed monthly amount, in any of more than 150 currencies.

$ USD€ EUR£ GBPAED₺ TRY₸ KZT₽ RUB150+ more

All features

Ready-made models

Fifteen templates: start from the one closest to yours

Every template opens filled in. Replace the numbers with yours, delete what you do not need, add what is missing.

Coffee shop Rent, baristas, cost of goods and a start-up loan in one model. SaaS startup Subscriptions with churn, a dev team, an investment round and runway. Online store Sales with cost of goods, marketplace fees, ads and a warehouse. Barbershop or beauty salon Masters on commission, rent and supplies: the classic service business. Freelancer Hourly work, taxes on income and personal spending in one place. Personal budget Family income, expenses and a mortgage: savings and safety margin.

All 15 templates

Pricing

7 days free, then a subscription

The trial opens everything in Pro, including the AI assistant and market research. No card needed.

Start

One or two models for your business

$4.92per month

$59 billed yearly

  • Up to three models
  • All blocks and 15 ready templates
  • PDF report and Excel export
  • AI assistant: 150 credits a month
Start free trial
Most popular

Pro

For launching or growing a business

$9.92per month

$119 billed yearly

  • Unlimited models
  • Market research with sources
  • AI assistant: 600 credits a month
  • Scenarios, goals and investor report
Start free trial

Business

For consultants and finance pros

$24.92per month

$299 billed yearly

  • Everything in Pro
  • AI assistant: 1,500 credits a month
  • Reports without the FinModel logo
  • Priority support
Start free trial

AI credits refresh monthly. Need more: buy a pack, purchased credits never expire. Compare plans

A finance consultant$500+per model, plus every change
Spreadsheet templates$50–200one-off, no help with the numbers
FinModel Pro$15 a monthevery model, AI analyst and market research

Guides

Learn the numbers that keep a business alive

How to build a financial model for a small business A step-by-step guide to building a business financial model: revenue drivers, costs, staff, investments, taxes, cash flow and scenarios. With an example and a checklist. 9 min read Break-even point: how to calculate it and use it What the break-even point is, the formula in units and in money, a worked example, and why monthly break-even differs from payback. Plus how to lower it. 7 min read Cash flow gap: how to spot it before it happens What a cash flow gap is, the typical causes (stock, payment terms, seasonality, loans), how to find it in a monthly forecast and six ways to close it. 8 min read

Questions

What people usually ask

Do I need a finance background?

No. FinModel asks plain questions: price, sales per month, salaries, rent. It turns the answers into a profit and loss statement, a cash flow forecast and charts, and explains every number in words.

Where does the AI assistant get market data?

It searches the web for your city and niche: competitor prices and menus, rental listings, job ads with salaries, public research. Every figure in the answer comes with a list of sources you can open.

Can the assistant break my model?

No. It never edits on its own. Each change arrives as a card that shows how profit, cash and break-even will move, and you decide whether to apply it. Any change can be undone.

What happens after the 7-day trial?

If you do not subscribe, your models stay in the account and open in read-only mode. Editing, exports and the assistant come back as soon as you pick a plan. The trial never turns into a paid plan by itself.

Which currencies can I pay in?

US dollars, euros or rubles. Payments are processed by Lava.top, a payment service that accepts cards from most countries. You can cancel renewal in your account at any time.

Does it work for my country?

Models run in any of 150+ currencies with your own tax rate on revenue or profit. If you need a preset that is missing, write to hello@finmodel.app.

All questions

Run the numbers before you spend the money

Seven days of every Pro feature, no card required. Your models stay in your account.

Start free trial Open the demo