The workbook is built in layers, so you only ever touch the parts meant to be edited.
Assumptions: Every input lives here: pricing, channel mix, COGS, OpEx, headcount, capex, debt terms, tax rate. Blue text is editable; yellow-filled cells are the key drivers that move the model the most
Calc: The monthly engine. Every line that eventually appears on a statement is calculated here first, so the IS, BS, and CF never contain duplicate logic
IS / BS / CF: The three statements, monthly with an annual rollup. They pull directly from Calc; nothing is hardcoded on these tabs
Dashboard: The headline KPIs a founder checks first, in one view
Reference: Built-in integrity checks confirm the balance sheet balances and the cash flow ties out, so you can trust the output without auditing every line by hand
Steps to use it
Open Assumptions and replace the placeholder business (Harbor Goods Co.) with your own numbers
Edit yellow-highlighted key drivers deliberately: these have the largest effect on the output
Review Dashboard for the headline summary, then drill into IS / BS / CF for detail
Leave green-text cells alone: those are cross-tab links, not inputs
Formula-only construction means the file behaves identically in Excel and Google Sheets — no macros to enable, no compatibility warnings.
