Finance Company Planning and Statements
Build a simple but fully linked financial plan for your company: income statement, balance sheet, cash flow, and key ratios in one place.
1. Planning assumptions
Enter your top-line planning assumptions for each year. The other tabs will update automatically.
| Item | |||
|---|---|---|---|
| Revenue | |||
| Cost of goods sold (COGS) | |||
| Operating expenses (Opex) | |||
| Depreciation & amortization | |||
| Interest expense | |||
| Tax rate (%) | |||
| Capital expenditures (Capex) | |||
| Net debt issued / (repaid) | |||
| Equity raised / (dividends) |
How this company planning & financial statements tool works
This calculator is a lightweight financial planning model that links your income statement, balance sheet, and cash flow statement. It is designed for founders, small-business owners, and finance teams who want a quick, transparent view of their plan without a complex spreadsheet.
1. Core formulas used in the model
Gross profit = Revenue − Cost of goods sold (COGS)
EBITDA = Gross profit − Operating expenses
EBIT = EBITDA − Depreciation & amortization
Pre-tax income = EBIT − Interest expense
Income tax = Pre-tax income × Tax rate
Net income = Pre-tax income − Income tax
Operating cash flow ≈ Net income + Depreciation
Investing cash flow = − Capital expenditures (Capex)
Financing cash flow = Net debt issued + Equity raised − Dividends
Net change in cash = Operating CF + Investing CF + Financing CF
Ending cash = Opening cash + Net change in cash
2. Simplified balance sheet logic
To keep the tool intuitive, the balance sheet groups items into a few key lines:
- Cash – carried from the cash flow statement.
- Net fixed assets – opening balance + Capex − Depreciation.
- Debt – opening debt + net debt issued / (repaid).
- Equity – opening equity + equity raised + cumulative net income − dividends.
The model checks whether Assets = Liabilities + Equity. Small rounding differences are normal; large gaps suggest inconsistent inputs.
3. Key ratios to evaluate your plan
The ratios tab highlights a few metrics investors and lenders care about:
- Gross margin = Gross profit / Revenue
- EBITDA margin = EBITDA / Revenue
- Net margin = Net income / Revenue
- Debt-to-equity = Total debt / Total equity
- Interest coverage = EBIT / Interest expense
- Return on assets (ROA) = Net income / Total assets
4. Typical planning workflow
- Set your planning horizon (3–5 years is common for business plans).
- Enter realistic revenue and cost assumptions for each year.
- Plan Capex and financing (debt and equity) to support growth.
- Review profitability, cash generation, and leverage ratios.
- Iterate until the plan is both ambitious and financially sustainable.