Skip the blank spreadsheet
For business owners who'd rather run the business than the spreadsheet.
Most business owners know their revenue. Few can answer what their banker asks next. Formulate builds the full picture — P&L, balance sheet, and cash flow — so you're ready for the loan application, the budget meeting, or the hire you're not sure you can afford.
No credit card. 7 days of full Premium access included.
Built by operators who've been in the room. For business owners who want to be ready for it.
What Formulate does
Know your numbers before the room does.
Whether it's an SBA loan, a line of credit, or a hire you're not sure you can afford — Formulate gives you the financials to answer it with confidence.
Start however you want. The AI works with you from there.
If you want a head start, describe your business in plain language and Formulate generates a complete model — P&L, balance sheet, cash flow — tailored to what you actually do. Prefer to build it yourself? Start from a revenue target or enter your assumptions line by line.
Either way, the AI analyst is in the room the whole time. It reviews your numbers as you go, flags anything that doesn't hold up, and recommends adjustments. Think of it as a senior FP&A partner who can do the first draft if you want one, or just check your work if you don't.
You stay in control. The AI makes sure the model does too.
AI suggestion: Raise prices 10% — minimal churn impact
Show Up to Any Meeting With the Right Numbers
P&L, Balance Sheet, and Cash Flow — all three, always in sync. Export to Excel for any deck, loan app, or board meeting.
Starts With How Your Business Actually Works
SaaS, services, e-commerce, brick-and-mortar — Formulate starts with the right structure so you're not building from a blank page.
Know Exactly When You Can Afford the Hire
Model hiring plans by role and start date. Salary costs flow automatically into your P&L — no double entry, no manual math.
See How Every Decision Plays Out Before You Make It
Change one number — churn rate, pricing, headcount — and the whole model updates instantly.
Your Data Stays Yours
Encrypted at rest and in transit. Your financial model is private by default — never shared, never used for training, never sold.
Simple, Transparent Pricing
Start free. Upgrade when you're ready.
Get started with core forecasting tools — no credit card required.
7-day access to premium features included — no card needed
What's included
- Detailed & High-Level Forecast Builder
- Assumption-Driven Forecasting
- Smart Suggestions
- Headcount Planning
- Graphs & Summary Views
- 1 Forecast
- AI Forecast Analyst Chat (Premium — try free for 7 days)
- Upload & Map Existing P&L
- Balance Sheet & Cash Flow (7-day access)
- Export to Excel
Comprehensive financial planning with three-statement modeling and full AI access.
Full access, billed immediately
Everything in Free, plus
- AI Forecast Analyst Chat
- Upload & Map Existing P&L
- Balance Sheet & Cash Flow
- Export to Excel — All Statements
- Up to 20 Forecasts
- Custom Business Model Templates
- Secure, Private Data Storage