Your monthly P&L, cash flow and balance sheet in 11 short steps.
Tell Caiflo what you sell, who you'll hire and what it all costs. It builds the three statements, month by month, and keeps them in balance.
Your first model is free and stays free.
Answer 11 steps instead of facing a blank spreadsheet
Each step asks for what you already know about your business. A live preview on the right shows revenue, cash and whether the balance sheet balances as you go.
- Company and timeline
- Tax and opening position
- Products and pricing
- Demand and market
- Scenarios
- Team
- Overheads
- Capital spend
- Funding
- Working capital
- Review
See the problems in your numbers before you share them
Caiflo works through your model and lists what doesn't add up, most important first. It's on the free plan.
- Cash that runs out, and when.
- Growth that's hard to believe, with the numbers it's based on.
- Each item says where it is in the model and what to change.
- Fix firstCash runs out in March 2027The plan needs about £48,000 more than it has. Lowest point: March 2027.
- Worth fixingSales grow nine times in year twoYear 1 £933k, year 2 £8.46m. Very few companies grow that fast, so be ready to show why.
- Worth fixingOne product is 15.7% of its whole market34,511 units against a market of 220,000. Check the market size or the share.
- PassedThe balance sheet balances in every monthAssets equal liabilities plus equity, all 60 months.
UK VAT and tax already set up
Pick the UK and the rules are in place. You enter your prices and salaries; Caiflo does the rest.
- VAT taken off your sales and reclaimed on your costs, paid quarterly.
- Corporation tax at the small profits rate, the main rate or marginal relief, with losses carried forward.
- Employer National Insurance, the employment allowance and workplace pension on every hire.
- Not in the UK? Every US state, the EU, the UAE and India are set up too.
Three statements, month by month
Income statement, cash flow and balance sheet, monthly and yearly. Click the ƒ next to any line to see how it was worked out.
Excel export when you upgrade
The free plan gives you one model, on screen. The Founder plan adds unlimited models and scenarios, download to Excel, and importing a model you've already built in Excel.
£99 a month
Start on the free plan and upgrade when you need to. Prices don't include VAT or other sales taxes. In India, paid plans are for GST-registered businesses.