Production-quality Excel templates built by operators — not consultants charging $5,000 to build what you could customize in an afternoon.
Every business runs on numbers, but the numbers that matter change dramatically depending on your business model. A SaaS company obsesses over monthly recurring revenue and churn rates. A restaurant tracks prime cost ratios and break-even covers per night. An e-commerce brand lives and dies by contribution margin per unit after returns and shipping. Using the wrong financial model is worse than using none at all — it gives you false confidence in metrics that do not apply to your business.
The templates below are not generic three-statement models with a logo placeholder. Each one is purpose-built for a specific business type, with the exact formulas, KPIs, and projection frameworks that operators and investors in that category expect to see. Here is how to decide which one fits your situation.
Who it is for: SaaS founders at the growth stage (typically post-revenue, preparing for Series A or B), finance leads building board decks, and operators who need to model the impact of pricing changes on MRR.
What is included: A full MRR waterfall with cohort-level analysis, net revenue retention calculations, LTV:CAC ratios with CAC payback tracking, and a Rule of 40 dashboard. Five tabs, 320+ formulas, and a 5-year projection horizon.
When to use it: When you need investor-ready projections that go beyond simple revenue forecasting. If a VC asks you to walk through your unit economics or model what happens when churn increases by 2%, this is the template that answers those questions in under a minute. Not suited for pre-revenue startups — use the Startup Pitch Deck Financial Model instead.
Who it is for: Restaurant owners and operators from the concept stage through Year 5 of operations. Also used by franchise consultants, commercial lenders evaluating restaurant loans, and food service entrepreneurs writing business plans.
What is included: A full P&L with monthly seasonality built in, startup cost tracking with cash flow runway analysis, prime cost ratio monitoring (food plus labor as a percentage of revenue), break-even analysis with sensitivity scenarios, and EBITDA margin dashboards with charts. Six tabs covering pre-opening through stabilized operations.
When to use it: Before signing a lease, when applying for an SBA loan, or when you need to stress-test whether a concept survives a 15% drop in covers. Restaurants fail because operators do not model seasonality and labor spikes — this template forces you to confront those numbers before they become problems.
Who it is for: DTC brand founders, e-commerce operators running on Shopify or Amazon, and marketing leads who need to understand true per-unit profitability after the full cost stack.
What is included: Per-unit contribution margin calculation with COGS, shipping, packaging, returns, and platform fees. CAC/LTV and ROAS tracking across channels, with multi-SKU support for up to 5 products. Five tabs that separate acquisition costs from fulfillment costs so you can see where margin is leaking.
When to use it: When your gross margin looks healthy but you cannot figure out why cash keeps disappearing. Most e-commerce operators confuse gross margin with contribution margin — this template surfaces the true cost of every unit sold, including the returns that eat 20-30% of revenue in some categories.
Who it is for: Independent consultants, solo freelancers, and agency owners with fewer than 20 people who need to understand their real take-home pay after taxes, tools, and non-billable time.
What is included: Hourly rate analysis with utilization tracking, tax provision calculations, project-level profitability breakdowns, and an annual summary with actual take-home projection. Four tabs that go from billable hours to money in your pocket.
When to use it: When you are pricing proposals, deciding whether to hire a subcontractor, or trying to figure out if that $150/hour rate actually translates into a livable income after 30% utilization loss and self-employment tax. If you have ever finished a profitable-looking year and wondered where the money went, this is the template that explains it.
| Criteria | SaaS | Restaurant | E-Commerce | Freelancer |
|---|---|---|---|---|
| Revenue Model | Recurring (MRR) | Per-cover / daily | Per-unit / order | Hourly / project |
| Key Metrics | NRR, LTV:CAC, Rule of 40 | Prime cost, covers, DSCR | Contribution margin, ROAS | Utilization, effective rate |
| Projection Horizon | 5 years | 5 years | 12 months | 12 months |
| Investor Ready | Yes | Yes (lenders) | Internal use | Internal use |
| Complexity | Advanced | Intermediate | Intermediate | Beginner-friendly |
| Price | $147 | $97 | $97 | $67 |
Not sure which template fits? If your business earns revenue from subscriptions, start with the SaaS Financial Projection Template. If you sell physical products online, the E-Commerce Unit Economics Calculator will surface your true margins. If you are opening a brick-and-mortar food business, the Restaurant Financial Model covers everything from lease signing through stabilized operations. And if you bill for your time, the Freelancer Profitability Tracker will show you what you actually take home. Every template includes all formulas pre-built — just input your numbers and the projections update automatically.
| Template | Best For | Tabs | Price | |
|---|---|---|---|---|
| SaaS Financial Projection | SaaS founders, VCs | 5 | $147 | View → |
| Restaurant Financial Model | Restaurant owners | 6 | $97 | View → |
| Startup Pitch Deck Model | Fundraising founders | 4 | $127 | View → |
| Freelancer Profitability Tracker | Freelancers, agencies | 4 | $67 | View → |
| E-Commerce Unit Economics | DTC brands, e-com operators | 5 | $97 | View → |
The model VCs actually want to see. Monthly MRR waterfall with cohort analysis, net revenue retention calculations, and the Rule of 40 dashboard. Built for founders preparing for Series A or B who need board-ready financials.
Full P&L with monthly seasonality adjustments built in. Tracks the metrics that matter in food service — prime cost ratio, break-even covers, and debt service coverage. From lease signing to stabilized operations.
The pitch deck appendix investors actually ask for. TAM/SAM/SOM sizing framework, dilution and cap table math through Series B, and burn rate scenarios that show you know exactly how the money will be deployed.
Stop guessing whether you're profitable. Hourly rate analysis, capacity utilization tracking, tax provisions, and actual take-home pay calculations. Month-by-month tracking that shows you the real numbers.
Per-unit contribution margin with the full cost stack — COGS, shipping, packaging, returns, and platform fees. Track CAC/LTV and ROAS across channels and up to 5 SKUs. Know your real margins, not your gross margins.
Get all 5 financial model templates for $399 — save over $135 compared to buying individually.
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