Free Financial Tools for Startups

    Financial Tools for Startups

    Deterministic financial models, scenario simulators, and climate tech calculators engineered for founders, CFOs, and climate innovators.

    100% In-Browser & Private
    Deterministic Math
    Zero Sign-Up Required
    Audit-Ready Projections
    All Interactive Tools11
    Startups & AI4
    Climate Tech4
    Marketing Agencies3
    Startups & AIFlagship Simulator3 min scenario model

    3-Statement Financial Modeler & Startup Runway Simulator

    Forecast 12-month startup cash runway with fully linked Income Statement, Statement of Cash Flows, and Balance Sheet projections. Run Base, Bull, and Bear sensitivity scenarios with zero spreadsheet formula errors.

    Linked P&L, Cash Flow & Balance Sheet
    Instant Base / Bull / Bear Sensitivity
    Deterministic Ending Cash & Runway Cushion
    #Financial Modeling#Runway Simulator#Cash Flow#Scenario Planning
    Launch flagship simulator
    Startups & AI90 sec audit

    Small Business Bookkeeping Cost & AP Inefficiency Calculator

    Calculate the true hidden cost of DIY bookkeeping and traditional CPA retainers. Uncover founder time opportunity cost, manual invoice chasing friction, and net annual ROI with automated bookkeeping.

    Founder Time Opportunity Cost Calculation
    Manual AP & Invoice Processing Friction
    Net Annual Cost Savings & ROI Estimate
    #Bookkeeping Cost#AP Automation
    Launch tool
    Startups & AI60 sec audit

    Small Business Financial Health & Tech Stack Maturity Scorecard

    Audit your startup’s financial operating health, ERP/tool stack maturity, and operational friction in 60 seconds. Receive an instant letter grade, operational risk report, and AI agentic readiness score.

    Financial Maturity Letter Grade (A-F)
    Operational Friction Cost Index ($/yr)
    Agentic Finance Readiness Assessment
    #Financial Health#Tech Stack Maturity
    Launch tool
    Startups & AIInstant CSV Parse

    Finance Metrics & Startup KPI Dashboard

    Upload your bank CSV to instantly compute core startup metrics: net burn rate, runway in months, LTV/CAC ratio, cash cushion, and operating expense breakdown. 100% private in-browser analysis.

    Zero-Upload Client-Side CSV Processing
    Net Burn, Cash Cushion & Runway Forecast
    LTV/CAC & Expense Breakdown Analytics
    #Startup KPIs#Bank CSV Analysis
    Launch tool
    Climate Tech2 min projection

    Climate Tech Grant Runway & Match-Funding Calculator

    Accurately model your climate startup cash runway with non-dilutive government grants (DOE, SBIR, Horizon Europe). Account for 60-90 day reimbursement lags, cost-share match requirements, and NICRA indirect rates.

    Reimbursement Lag Cash Valley Simulation
    Mandatory Cost-Share Match Tracking
    NICRA Indirect Cost Absorption Model
    #DOE Grants#SBIR/STTR
    Launch tool
    Climate Tech2 min calculation

    Climate Tech R&D Tax Credit & IRA Incentive Estimator

    Estimate your Section 41 Qualified Small Business payroll tax credit refund (up to $500k/yr in non-dilutive cash) alongside Inflation Reduction Act (IRA) Section 45X, 45V, and 45Q clean energy production incentives.

    Section 41 Payroll Tax Cash Offset (Up to $500k)
    IRA Section 45X / 45V / 45Q Production Credits
    Dual US & UK R&D Tax Scheme Modeling
    #Section 41 R&D#IRA 2026 Credits
    Launch tool
    Climate Tech3 min TEA model

    Climate Tech Techno-Economic (TEA) & Levelized Cost Modeler

    Model unit economics, CapEx amortization, and Levelized Cost of Production (LCOx) across scaling phases from Pilot to FOAK and Commercial NOAK scale. Built for Direct Air Capture, Green Hydrogen, Biochar, and Batteries.

    Levelized Cost (LCOE/LCOH/LCOD) Breakdown
    Pilot to FOAK & Commercial Learning Curve
    CapEx Amortization & Operating Expense Sensitivity
    #TEA Analysis#Levelized Cost
    Launch tool
    Climate TechInstant Bank CSV

    Scope 1, 2 & 3 Carbon Footprint Calculator

    Calculate your enterprise greenhouse gas (GHG) emissions across Scope 1 direct emissions, Scope 2 electricity, and Scope 3 supply chain spending using EPA GHG emission factors. Instant bank CSV upload supported.

    Scope 1, Scope 2 & Scope 3 GHG Accounting
    EPA Spend-Based Emission Factor Benchmarks
    Instant CSV Automated Transaction Categorization
    #GHG Emissions#Scope 1 2 3
    Launch tool
    Marketing Agencies90 sec audit

    Agency True Cash & Ad Spend Float Isolator

    Isolate pass-through media liabilities, 1099 contractor payables, and deferred retainers from your bank checking balance. Uncover your true operational runway and prevent catastrophic float insolvency.

    Real Operating Cash vs. Bank Balance Split
    Ad Spend Exposure Ratio & Insolvency Risk
    Payment Timing Float Gap & True Runway
    #Agency Finance#Ad Spend Float
    Launch tool
    Marketing Agencies2 min audit

    Agency Client Profitability & Scope Creep Auditor

    Audit client-level gross margins, compare quoted billable rates against realized Effective Hourly Rate (EHR), and calculate annual revenue lost to unbilled scope creep across internal teams and 1099 contractors.

    Realized Gross Margin & Benchmark Tier
    Effective Hourly Rate (EHR) Erosion Gap
    Annual Scope Creep Dollar Leakage
    #Client Profitability#Scope Creep
    Launch tool
    Marketing Agencies2 min projection

    Agency Billable Capacity & Hiring Breakeven Modeler

    Model unbilled team capacity headroom, calculate the exact monthly retainer AGI required to break even on new hires using the 3x multiple rule, and stress-test the 60-day onboarding margin dip.

    Unbilled Capacity Headroom ($/mo & Hours)
    Hiring Breakeven AGI & Retainer Unlock
    60-Day Onboarding Margin Ramp & J-Curve
    #Capacity Planning#Hiring Breakeven
    Launch tool