Startup Financial Projections

Business plan financial projections spreadsheet: enter your startup costs, funding and a few plain assumptions, and get the numbers a business plan or a lender asks for: a monthly profit and cash forecast for year 1, years 2 and 3, the loan payment and your break-even month.

WHAT IT DOES

• Startup tab: up to 15 one-time costs, your own investment and one loan (amount, yearly rate, years). Opening cash and the monthly loan payment are worked out for you
• Assumptions tab: first month's sales, monthly growth in year 1, yearly growth in years 2 and 3, cost of sales %, up to 15 fixed monthly costs with a yearly increase, owner pay and an income tax rate
• Year 1, month by month: sales, cost of sales, gross profit, fixed costs, owner pay, loan interest and principal, profit and cash at the end of every month
• Break-even month, lowest cash point in year 1 and the monthly sales you need to break even
• Years 1 to 3: profit before and after an estimated tax, loan balance, cash at each year end, gross and profit margins
• Summary tab with the key numbers, a three-year table and two charts, ready to copy into your plan
• Any currency. Change any assumption and every tab updates

WHAT YOU GET

• Startup-Financial-Projections.xlsx (blank, ready for your numbers)
• Startup-Financial-Projections-with-Sample-Data.xlsx (a filled-in example for a made-up bakery)
• Quick-start guide (PDF)

HOW YOU GET IT

Digital download. After checkout you get a download page right away, plus a receipt by email. Nothing is shipped.

COMPATIBILITY

• Microsoft Excel 2016 or newer (Windows or Mac) and Excel for the web
• Google Sheets: upload the .xlsx to Google Drive, open it, then File > Save as Google Sheets
• Needs a computer or tablet with a spreadsheet app. This is not a written business plan document

GOOD FOR

Anyone opening a small business who needs startup costs, a 3-year forecast and a break-even point for a business plan, a bank or a partner.

PLEASE NOTE

A planning tool, not financial, tax or legal advice. Projections are estimates from your own assumptions with simplified tax and cash rules; have an accountant review them before you rely on them. For your own use; please don't resell or share the files.

DISCLAIMER

This template is a planning tool and does not replace advice from a qualified or licensed professional (such as an accountant, financial advisor or lawyer). Check the results before you rely on them.

HOW IT WAS MADE

Designed by VARS Digital with AI-assisted tools. Every formula is checked before release, and the sample file shows each tab working.

QUESTIONS

Email varsdigitals@gmail.com and we'll help you get set up.