Free tool
Type your numbers. Get your P&L, balance sheet and cash flow — in Excel with live formulas.
Pick your industry and check seven numbers: revenue, margin, operating costs, cash and how fast money comes in and goes out. You get a 12-month profit and loss, balance sheet and cash-flow statement, a 13-week cash flow forecast with its low point, and an Excel file with live formulas. No signup, no email.
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Build your report
1Your industry
2Your numbers
Prefilled with the figures of Brightleaf Family Health, the example clinic in our sample report. Replace each number with yours. Reset to the example
How it is calculated
- Twelve months, starting on the 1st of next month, from the cash you have today. Sales run at the pace of the last 12 months; for SaaS they grow by your monthly rate, for hospitality they follow your seasonal swing with the peak in July.
- Profit and loss. Cost of sales = revenue × (100% − gross margin). Operating costs stay at the monthly figure you typed. Operating profit = gross profit − operating costs.
- Balance sheet. Receivables = a month’s sales × days customers take to pay ÷ 30. Supplier payables = a month’s cost of sales × days you take to pay ÷ 30. Stock = a month’s cost of sales × stock days ÷ 30. Retainage = the share held back on the last six months of bills. Equity grows by each month’s operating profit.
- Cash-flow statement. Operating profit, less the increase in receivables, retainage and stock, plus the increase in supplier payables. Cash at the end of each month is the balance-sheet cash.
- 13-week forecast. The first three months of the cash-flow statement, spread over weekdays: customer receipts and supplier payments evenly, operating costs 40% on the first weekday of the month and 30% each on the 15th and the last weekday (payroll). Week 13 ends on the last day of month three, on the same balance.
- Not in your inputs, so not in the report: loans, equipment purchases, depreciation, income tax and owner draws. Add them in the Excel file.
Every figure is whole dollars, rounded once, and every total adds up the rounded lines — so the balance sheet balances to the dollar, the cash flow ends on the balance-sheet cash and week 13 ends on month three’s cash. The page checks all three under the report.
What the template gives you
- A profit and loss for the next 12 months, month by month in the Excel file and by quarter on the page: revenue, cost of sales, gross profit, operating costs and operating profit.
- A balance sheet at every month end with the balances your numbers describe — cash, what customers owe, stock and what you owe suppliers — and a difference row that stays at zero.
- A cash-flow statement that starts from operating profit and ends on the balance-sheet cash, so you can see how much of the profit the working capital keeps.
- A 13-week cash flow forecast built from the same months, with the week cash is lowest marked.
How the three statements tie together
The profit and loss says what the business earned; the balance sheet says what it holds and owes; the cash-flow statement explains why the bank balance moved. They are one model: each month’s operating profit is added to equity, and the same profit, less the cash tied up in receivables and stock and plus the credit suppliers give, is the change in cash. If those three do not agree, a statement is wrong — which is why the page checks them every month.
Profit and cash part ways when customers pay later than suppliers are paid, or stock builds up. The guide on why profit can rise while cash falls walks through each reason, and the profit and loss guide reads a P&L line by line. For a single figure, the cash conversion cycle calculator works out how many days cash waits.
Questions
Is this my company's real financial report?
No. It is an estimate built from the numbers you type, with the rules listed under How it is calculated. Your real statements come from your books: connect your accounting system and Ataski's Financial Analyst builds them from your ledger every month.
How do the profit and loss, balance sheet and cash flow connect?
Each month's operating profit is added to equity on the balance sheet. The cash-flow statement starts from the same profit, takes off the increase in receivables, retainage and stock and adds the increase in supplier payables, and ends on the balance sheet's cash. That is why the balance sheet balances in every month.
Is a profit and loss statement the same as an income statement?
Yes. Profit and loss statement, P&L and income statement are names for the same report: revenue and costs over a period, and the profit or loss that results.
Do you save the numbers I type?
No. There is no signup and no email field. The numbers are sent to our server only to build the page and the Excel file; they are not written to a database or a log, and they never appear in a web address. We count that a report was built and for which industry, never the figures.
What is in the Excel file?
The same statements month by month and the 13-week forecast, built with formulas from an Inputs sheet: change an input and every statement recalculates. A Checks sheet shows that the balance sheet balances, the direct and indirect cash flows agree and week 13 ends on the same cash as month three.
Why does the balance sheet show only cash, receivables, stock and payables?
Those are the balances your inputs describe. Equipment, loans, taxes and owner draws are not in the form, so they are not in the estimate; add them in the Excel file.