A 3-statement financial model that is actually linked.
36 monthly periods. Income statement, balance sheet and cash flow driven from one assumptions sheet. 1,692 live formulas and no hardcoded numbers below the inputs. Excel and Google Sheets.
$149, one-time, plus applicable sales tax. 14-day refund, no questions.
Instant download: three .xlsx files and a 7-page PDF guide.
WHY IT COSTS $149 WHEN FREE ONES EXIST
Placed here deliberately — this is the first question a shopper has.
Free and cheap templates exist in quantity. What buyers of them write afterwards is on the record, and it is the same three failures over and over: the sheets are not connected to each other, the arithmetic breaks once real numbers go in, and nobody documented what any of it does.
"The spreadsheet doesnt work it has ERROR every where. So disappointing"
— 1-star review, mortgage payoff spreadsheet, 2026-05-02
$149 buys the work of making those three things not happen, and a way to check that they did not:
- Every statement is built from formulas that trace back to one input sheet. Nothing below the Assumptions sheet is typed in.
- A Checks sheet that runs three integrity tests on each of the 36 months and colours itself by the result. It is visible in the file. You do not have to take a claim on faith.
- A 7-page guide documenting every calculated row: what it does, where it flows, what to change.
If it does not do those things for you, ask for your money back within 14 days.
CAPABILITY 1 — Everything is linked. Nothing is typed in twice.
The complaint this answers:
"My impression by the item description is that it was integrated, it is not. You have to manually update everything."
— 3-star review, spreadsheet template, 2026-07-03
What the model does instead:
- 1,692 live formulas across the four calculated sheets.
- Zero hardcoded values below the Assumptions sheet. The build that produces the file refuses to emit it if a constant appears in a statement.
- Income statement, balance sheet and cash flow are wired to each other, not maintained side by side.
- Each month's opening balance is the prior month's closing balance, by formula. Carry-over drift measured across all 35 month transitions: 0.000000.
- Change one assumption and all 36 months recompute. There is no month-by-month re-entry step.
CAPABILITY 2 — A Checks sheet that tells you when it is wrong
The complaint this answers:
"Seems complicated I can't understand how to use the sheet. It also doesn't seem to calculate properly."
— 3-star review, budget planner spreadsheet, 2026-08-15
What the model does instead:
Three integrity tests, run on every one of the 36 months, each cell coloured by its own value:
- The balance sheet balances — assets equal liabilities plus equity.
- Cash on the balance sheet ties to the closing cash on the cash flow statement.
- Retained earnings roll forward — opening plus net income equals closing.
Overtype any formula cell with a number and that month turns red and reads FAIL. That is the point of the sheet: you are not asked to trust the model, you are shown a test you can break on purpose.
Integrity was re-tested across all 36 months under Base, Upside and Downside, under five individually perturbed drivers, and with four inputs changed at once.
CAPABILITY 3 — Three scenarios from one cell
No quote here — this one is a number, not a grievance.
One dropdown on the Assumptions sheet switches the whole model between Base, Upside and Downside. Every statement, every month, every check follows it.
The shipped defaults are not three flavours of optimism:
| Scenario | Cash position |
|---|---|
| Base | Stays cash-positive throughout. Trough of about $54,000 in month 8. |
| Upside | Never dips below about $73,000. |
| Downside | Turns cash-negative in month 5 and reaches about -$614,000 by month 36. |
The downside runs out of money on purpose, and the Start Here sheet says so. A downside case that stays solvent tells you nothing.
CAPABILITY 4 — One input sheet, and a guide for every row
The complaint this answers:
"1. No guidelines what to update 2. cannot update the Unavailable days - PTO for more than 1 day"
— 1-star review, Excel capacity planner, 2026-07-24
What the model does instead:
- One input sheet. Blue cells are the only editable cells. Every other sheet is protected — without a password, so you can unlock them when you want to, but not by accident on a Tuesday.
- A Start Here sheet that explains the order to work through the model in and what the shipped defaults mean.
- A 7-page Model Guide (PDF) documenting every calculated row: what it does, where it flows, what to change. The formulas printed in the guide are read out of the workbook when the guide is generated, so the guide cannot drift away from the model it describes.
- A worked example — the same model filled in for a services agency: 45 debtor days, high retainer revenue, people-heavy cost base.
No video. No 20-minute walkthrough to sit through before the file is usable.
WHAT IS IN THE DOWNLOAD
| File | What it is |
|---|---|
Financial_Model_v1.0.xlsx |
The model. Six sheets: Start Here, Assumptions, Income Statement, Balance Sheet, Cash Flow, Checks. 36 monthly periods. |
Financial_Model_v1.0_GoogleSheets.xlsx |
The same model, import-ready for Google Sheets, with import notes on the Start Here sheet. |
Financial_Model_v1.0_Example_Agency.xlsx |
The same model worked through for a services agency — 45 debtor days, high retainer, people-heavy cost base. |
Model Guide.pdf |
7 pages. Every calculated row documented. |
No macros. No VBA. No add-ins. No external links, named ranges or volatile functions. The workbook is 28 KB.
REFUND
14 days, no questions asked. Email and it is refunded.
HONEST NOTE ABOUT PROOF
This is v1.0, released 2026-09-12. There are no customer reviews here because there are no customers yet, and inventing them is not on the table.
What is here instead: the Checks sheet, screenshotted above, which is a test you can run and break inside the file itself; a guide that prints the actual formulas out of the workbook; and 14 days to get your money back if the file is not what this page says it is.
FAQ
Does it work in Google Sheets?
Yes. The _GoogleSheets.xlsx file was uploaded to a real Google Drive account and opened with Google Sheets on 2026-09-12. All 36 months of the Checks sheet read OK, the scenario dropdown drives the model, the numbers match the Excel version, and the conditional formatting on the Checks sheet survives. One difference to know about: Excel's sheet protection does not map onto Sheets, so it is stripped from that variant rather than shipped half-working. Every function the model uses — SUM, IF, AND, MIN, MAX, ABS, ROUND, INDEX, MATCH — is supported by Sheets.
Does it work in Excel for Mac, Excel Online, LibreOffice or Numbers?
Not tested. This page will not tell you it does. It has been tested in Excel and in Google Sheets, and those are the two claims made. If you open it somewhere else and it does not behave, that is what the 14-day refund is for.
Will I have to update anything by hand each month?
No. Each month's opening balance is the prior month's closing balance by formula, and everything below the Assumptions sheet is calculated. The recurring complaint in this category is the opposite — one buyer of a German budget template wrote "Keine automatische Übertragung auf die einzelnen Monate, für uns nicht hilfreich" ("no automatic carry-over between the individual months, not helpful for us", 2 stars, 2025-11-23). That is the specific failure this model is built not to have.
I am not confident with spreadsheet formulas. Can I still use this?
The editable cells are blue and they are all on one sheet. Everything else is protected, so the ordinary mistake — typing over a formula — is hard to make by accident. The Start Here sheet gives you the order to work in and the Model Guide documents every row. It is a fair question: a 3-star reviewer of a couples budget template wrote "It's very hard for people who don't understand how sheets/formulas work." That is why the inputs are quarantined to one sheet.
How do I know this is not generic filler?
Check it rather than trust it. Open the Checks sheet, change an assumption, and watch 36 months of three integrity tests recompute. Open the Model Guide and find the row you care about — the formula printed there is the formula in the cell, read out of the workbook at generation time. Two 1-star reviews in this category read "AI could create better than this" and "it felt like it was made by chat gpt", and the only useful answer to that is a file that survives inspection.
How many months does it cover? Can I extend it?
36 monthly periods. Extending further is a drag-right across the four calculated sheets — the references back to the Assumptions sheet are absolute and will survive it. This matters because "only one month at a time" is a real 2-star complaint against an Excel tracker in this category.
What format do I actually receive?
Three .xlsx files and one PDF. Not a PDF of a spreadsheet — buyers get caught by that one ("PDF??? Ik kan niet gebruiken!", 1 star, 2026-01-14). Three of the four files are working workbooks; the PDF is the guide and only the guide.
What if I change my mind?
14 days, no questions. Refund disputes are the ugliest reviews in this whole corpus — one buyer was told flatly that the seller does not do refunds and then got no reply at all. The policy here is one sentence long so there is nothing to argue about.