🛠️ Tool
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Free
Beginner
Why we picked it A free, driver-based Google Sheets model where you plug in your own assumptions and actuals and watch the numbers flow through to a P&L, retention, and an LTV to CAC dashboard, no formula-building required. For your question, the point is to fork this, wire in your upfront cost per customer and your monthly repayment, and read the cash line month by month so you can see exactly when you dip and when you recover. It is deliberately beginner-friendly, so it is a starting point to make the cash gap concrete rather than a full FP&A system.
SaaS Financial Model Template in Google Sheets
From Drivetrain by Drivetrain Free Google Sheets template, roughly 30 to 60 minutes to populate
- Driver-based, so you change a few assumptions (CAC, acquisition pace, churn) and the whole model and dashboard update.
- Built to plug in your own numbers without touching formulas, which is what you want when you are stress-testing your own payback.
- Treat it as a first model to see the shape of the cash curve, then add your own month-by-month cash row if the template does not surface it directly.