Free tool
Financial projection and funding need calculator
Enter customers, growth, churn, price and costs. The model projects revenue, costs and cash month by month, finds the break-even month and tells you how much funding the plan needs.
| Month | Customers | Revenue | Fixed costs | Net | Cash |
|---|---|---|---|---|---|
| 1 | 29 | $2k | $25k | $-24k | $126k |
| 6 | 83 | $5k | $29k | $-25k | $4k |
| 12 | 171 | $10k | $35k | $-26k | $-151k |
| 18 | 303 | $18k | $41k | $-27k | $-312k |
| 24 | 505 | $30k | $49k | $-25k | $-468k |
| 30 | 820 | $49k | $59k | $-20k | $-602k |
| 36 | 1316 | $79k | $70k | $-7k | $-680k |
How do you project revenue for an early-stage startup?
Start from drivers, not from a revenue target: customers today, new customers per month, growth in acquisition, churn and revenue per customer. Revenue is customers times price; the shape of the curve comes from churn and growth. Investors trust a model whose assumptions they can argue with.
How do you calculate how much to raise from a projection?
The lowest point of the cash line is your funding need. Add a buffer of 20 to 30 percent for delays and raise that amount, or restructure the plan so the trough is smaller. The Raise Calculator gives the quick version; this model shows where the need comes from.
What do investors look for in a projection?
Three things: that revenue is driver-based, that costs follow a hiring plan, and that the two most sensitive assumptions are named. Projections are judged on reasoning, not on the year-three number.
What this model simplifies
Monthly churn and growth are constant, gross margin is one number, and there is no seasonality or working capital. Change one input at a time to see which assumption moves the funding need most, then build a fuller model in a spreadsheet.
Questions founders ask
Can I export the table?
Select and copy the table into a spreadsheet. An export button is on the roadmap.
Which churn rate should I use?
Use your measured monthly churn. If you have none yet, 3 to 5 percent for SMB SaaS and 1 to 2 percent for mid-market are common planning assumptions.
Does SeedScope use this model in its valuation?
No. SeedScope benchmarks your startup against 1M+ companies and your own data; this tool helps you plan the raise.
More tools for this stage
Hand-picked for building the MVP. Free, in your browser, nothing stored.
Dataset
Accelerator Directory
The best accelerators, with their current terms
Open the tool
Checklist
AI-Built Technical DD Checklist
Built with Lovable, Bolt or Cursor? What a technical reviewer will ask
Open the tool
Quiz
Funding Path Finder
Raise, accelerator, bootstrap or non-dilutive?
Open the tool
Calculator
Unit Economics Checker
Are your CAC, payback and margin fundable?
Open the tool
Calculator
Accelerator ROI Calculator
Is the accelerator deal worth the equity?
Open the tool
Dataset
Grants and Non-Dilutive Funding Finder
Non-dilutive money by country and sector
Open the tool
Tested the idea? Now see how fundable it is.
A free SeedScope profile puts the plan in front of investors who fund your stage and sector. Founder Pro shows who is looking, by name.