COBALT ANALYTICS — Board Model
VIEW ONLY · SNAPSHOT AS OF AUG 2026
COBALT ANALYTICS
Turn Data Into Decisions — SaaS Financial Model & KPI Suite
Board & Investor Reporting Workbook | Monthly Bottom-Up Model, FY2024-FY2026
SectorB2B SaaS - Data Analytics Platform
Founded2019
ModelSubscription (ARR), 3 segments: SMB / Mid-Market / Enterprise
CurrencyAll figures in USD ($) - illustrative only
DEMO / ILLUSTRATIVE FILE. Cobalt Analytics is a fictional company created solely to demonstrate a full SaaS financial model: bottom-up ARR bridge, headcount-driven P&L, cohort retention, and the complete board KPI suite (NRR, CAC, LTV, Magic Number, Rule of 40, Burn Multiple, Runway). All names, figures and projections are invented for portfolio purposes and do not represent any real business, person or transaction.
Tabs in This Workbook
AssumptionsARR drivers, retention curve, headcount costs, financing
Headcount PlanDepartment headcount & cost build - feeds the P&L opex lines
ARR Build36-month bridge: New + Expansion - Contraction - Churn = Ending ARR
Full P&LRevenue through Net Income, monthly build rolled to FY2024-FY2026
Cohort RetentionRevenue-retention triangle by acquisition cohort
Cash Flow & RunwayMonthly cash position, burn rate, runway
KPI DashboardThe full SaaS metrics suite - RAG scorecard + charts
Valuation SnapshotARR-multiple valuation range
Legend
Hardcoded input / assumption
Calculated formula
Link / lookup to another tab
COBALT ANALYTICS - Key Assumptions
Every downstream tab references these cells - the single source of truth.
Company Profile & Timeline
Founded2,019
Model start (Month #1)Jan-2024
Starting ARR, Month 0 ($)$3,200,000
Starting Customers, Month 0 (#)210
Starting Cash Balance ($)$6,000,000
ARR Build Drivers
New Customers / month, Month 1 (#)9
New-Customer Growth Rate (monthly, compounding)2.0%
New-Customer ARPA, Month 1 ($/yr)$21,000
ARPA Growth Rate (monthly - upmarket mix shift)0.6%
Monthly Expansion Rate (% of beginning ARR)1.2%
Monthly Contraction Rate (% of beginning ARR)0.4%
Monthly Logo Churn Rate (% of customers)1.1%
Cost of Revenue & Margin
Hosting / Infra Cost (% of revenue)11.0%
Professional Services Cost (% of revenue)5.0%
Third-Party Data/API Cost (% of revenue)3.0%
Depreciation, Interest & Tax
D&A (% of revenue)1.5%
Interest Expense - Venture Debt (monthly, $)$8,000
Effective Tax Rate (applied only if pre-tax income > 0)21.0%
Financing Events
Series B Raise Month # (1-36)15
Series B Raise Amount ($)$18,000,000
Series B Post-Money Valuation ($)$95,000,000
Valuation Benchmarks
Public/Precedent ARR Multiple - Low5.00x
Public/Precedent ARR Multiple - Mid8.00x
Public/Precedent ARR Multiple - High12.00x
LTV = ARPA x Gross Margin % / Annualized Churn Rate (monthly churn compounded over 12 months). CAC is computed organically from Headcount Plan S&M cost / New Customers - not a separate input. Illustrative demo data.
Headcount Plan: Department Build
Headcount(month) = Starting HC + Net Hires/Quarter x quarters elapsed. Feeds COGS (Customer Success) and Opex (S&M/R&D/G&A) in the Full P&L.
Month #123456789101112131415161718192021222324252627282930313233343536
MonthJan-24Feb-24Mar-24Apr-24May-24Jun-24Jul-24Aug-24Sep-24Oct-24Nov-24Dec-24Jan-25Feb-25Mar-25Apr-25May-25Jun-25Jul-25Aug-25Sep-25Oct-25Nov-25Dec-25Jan-26Feb-26Mar-26Apr-26May-26Jun-26Jul-26Aug-26Sep-26Oct-26Nov-26Dec-26
Quarter Elapsed000111222333444555666777888999101010111111
Sales
Starting HC / Net Hires per Quarter / Loaded Cost per FTE ($/yr)61.5$165,000
Sales - Headcount6.06.06.07.57.57.59.09.09.010.510.510.512.012.012.013.513.513.515.015.015.016.516.516.518.018.018.019.519.519.521.021.021.022.522.522.5
Sales - Cost ($)$82,500$82,500$82,500$103,125$103,125$103,125$123,750$123,750$123,750$144,375$144,375$144,375$165,000$165,000$165,000$185,625$185,625$185,625$206,250$206,250$206,250$226,875$226,875$226,875$247,500$247,500$247,500$268,125$268,125$268,125$288,750$288,750$288,750$309,375$309,375$309,375
Marketing
Starting HC / Net Hires per Quarter / Loaded Cost per FTE ($/yr)40.8$145,000
Marketing - Headcount4.04.04.04.84.84.85.65.65.66.46.46.47.27.27.28.08.08.08.88.88.89.69.69.610.410.410.411.211.211.212.012.012.012.812.812.8
Marketing - Cost ($)$48,333$48,333$48,333$58,000$58,000$58,000$67,667$67,667$67,667$77,333$77,333$77,333$87,000$87,000$87,000$96,667$96,667$96,667$106,333$106,333$106,333$116,000$116,000$116,000$125,667$125,667$125,667$135,333$135,333$135,333$145,000$145,000$145,000$154,667$154,667$154,667
Customer Success & Support
Starting HC / Net Hires per Quarter / Loaded Cost per FTE ($/yr)51.2$105,000
Customer Success & Support - Headcount5.05.05.06.26.26.27.47.47.48.68.68.69.89.89.811.011.011.012.212.212.213.413.413.414.614.614.615.815.815.817.017.017.018.218.218.2
Customer Success & Support - Cost ($)$43,750$43,750$43,750$54,250$54,250$54,250$64,750$64,750$64,750$75,250$75,250$75,250$85,750$85,750$85,750$96,250$96,250$96,250$106,750$106,750$106,750$117,250$117,250$117,250$127,750$127,750$127,750$138,250$138,250$138,250$148,750$148,750$148,750$159,250$159,250$159,250
Engineering
Starting HC / Net Hires per Quarter / Loaded Cost per FTE ($/yr)122.0$175,000
Engineering - Headcount12.012.012.014.014.014.016.016.016.018.018.018.020.020.020.022.022.022.024.024.024.026.026.026.028.028.028.030.030.030.032.032.032.034.034.034.0
Engineering - Cost ($)$175,000$175,000$175,000$204,167$204,167$204,167$233,333$233,333$233,333$262,500$262,500$262,500$291,667$291,667$291,667$320,833$320,833$320,833$350,000$350,000$350,000$379,167$379,167$379,167$408,333$408,333$408,333$437,500$437,500$437,500$466,667$466,667$466,667$495,833$495,833$495,833
Product
Starting HC / Net Hires per Quarter / Loaded Cost per FTE ($/yr)40.6$170,000
Product - Headcount4.04.04.04.64.64.65.25.25.25.85.85.86.46.46.47.07.07.07.67.67.68.28.28.28.88.88.89.49.49.410.010.010.010.610.610.6
Product - Cost ($)$56,667$56,667$56,667$65,167$65,167$65,167$73,667$73,667$73,667$82,167$82,167$82,167$90,667$90,667$90,667$99,167$99,167$99,167$107,667$107,667$107,667$116,167$116,167$116,167$124,667$124,667$124,667$133,167$133,167$133,167$141,667$141,667$141,667$150,167$150,167$150,167
G&A
Starting HC / Net Hires per Quarter / Loaded Cost per FTE ($/yr)50.7$135,000
G&A - Headcount5.05.05.05.75.75.76.46.46.47.17.17.17.87.87.88.58.58.59.29.29.29.99.99.910.610.610.611.311.311.312.012.012.012.712.712.7
G&A - Cost ($)$56,250$56,250$56,250$64,125$64,125$64,125$72,000$72,000$72,000$79,875$79,875$79,875$87,750$87,750$87,750$95,625$95,625$95,625$103,500$103,500$103,500$111,375$111,375$111,375$119,250$119,250$119,250$127,125$127,125$127,125$135,000$135,000$135,000$142,875$142,875$142,875
Rolled-Up Cost Buckets (feed Full P&L)
Total S&M Cost ($)$130,833$130,833$130,833$161,125$161,125$161,125$191,417$191,417$191,417$221,708$221,708$221,708$252,000$252,000$252,000$282,292$282,292$282,292$312,583$312,583$312,583$342,875$342,875$342,875$373,167$373,167$373,167$403,458$403,458$403,458$433,750$433,750$433,750$464,042$464,042$464,042
Total R&D Cost ($)$231,667$231,667$231,667$269,333$269,333$269,333$307,000$307,000$307,000$344,667$344,667$344,667$382,333$382,333$382,333$420,000$420,000$420,000$457,667$457,667$457,667$495,333$495,333$495,333$533,000$533,000$533,000$570,667$570,667$570,667$608,333$608,333$608,333$646,000$646,000$646,000
Total G&A Cost ($)$56,250$56,250$56,250$64,125$64,125$64,125$72,000$72,000$72,000$79,875$79,875$79,875$87,750$87,750$87,750$95,625$95,625$95,625$103,500$103,500$103,500$111,375$111,375$111,375$119,250$119,250$119,250$127,125$127,125$127,125$135,000$135,000$135,000$142,875$142,875$142,875
Total CS/Support Cost - COGS ($)$43,750$43,750$43,750$54,250$54,250$54,250$64,750$64,750$64,750$75,250$75,250$75,250$85,750$85,750$85,750$96,250$96,250$96,250$106,750$106,750$106,750$117,250$117,250$117,250$127,750$127,750$127,750$138,250$138,250$138,250$148,750$148,750$148,750$159,250$159,250$159,250
Illustrative demo data. Hiring is modeled as a step function: headcount increases at the start of each quarter.
ARR Build: Monthly Bridge
Beginning ARR + New + Expansion - Contraction - Churn = Ending ARR
Month #123456789101112131415161718192021222324252627282930313233343536
MonthJan-24Feb-24Mar-24Apr-24May-24Jun-24Jul-24Aug-24Sep-24Oct-24Nov-24Dec-24Jan-25Feb-25Mar-25Apr-25May-25Jun-25Jul-25Aug-25Sep-25Oct-25Nov-25Dec-25Jan-26Feb-26Mar-26Apr-26May-26Jun-26Jul-26Aug-26Sep-26Oct-26Nov-26Dec-26
New Business
New Customers (#)9.09.29.49.69.79.910.110.310.510.811.011.211.411.611.912.112.412.612.913.113.413.613.914.214.514.815.115.415.716.016.316.617.017.317.618.0
New-Customer ARPA ($/yr)$21,000$21,126$21,253$21,380$21,509$21,638$21,767$21,898$22,029$22,162$22,295$22,428$22,563$22,698$22,834$22,971$23,109$23,248$23,387$23,528$23,669$23,811$23,954$24,098$24,242$24,388$24,534$24,681$24,829$24,978$25,128$25,279$25,430$25,583$25,737$25,891
New ARR ($)$189,000$193,937$199,002$204,200$209,534$215,007$220,623$226,386$232,299$238,366$244,593$250,981$257,537$264,264$271,166$278,249$285,517$292,975$300,627$308,480$316,537$324,805$333,289$341,995$350,928$360,094$369,499$379,151$389,054$399,216$409,644$420,344$431,323$442,589$454,150$466,012
ARR Bridge
Beginning ARR ($)$3,200,000$3,379,400$3,563,645$3,752,897$3,947,327$4,147,108$4,352,419$4,563,445$4,780,375$5,003,408$5,232,744$5,468,593$5,711,170$5,960,697$6,217,403$6,481,524$6,753,303$7,032,992$7,320,851$7,617,147$7,922,156$8,236,163$8,559,462$8,892,356$9,235,160$9,588,196$9,951,798$10,326,311$10,712,092$11,109,506$11,518,935$11,940,769$12,375,413$12,823,286$13,284,818$13,760,457
+ New ARR ($)$189,000$193,937$199,002$204,200$209,534$215,007$220,623$226,386$232,299$238,366$244,593$250,981$257,537$264,264$271,166$278,249$285,517$292,975$300,627$308,480$316,537$324,805$333,289$341,995$350,928$360,094$369,499$379,151$389,054$399,216$409,644$420,344$431,323$442,589$454,150$466,012
+ Expansion ARR ($)$38,400$40,796$43,278$45,850$48,515$51,276$54,138$57,103$60,177$63,362$66,664$70,087$73,635$77,313$81,126$85,080$89,180$93,430$97,838$102,408$107,148$112,063$117,161$122,448$127,931$133,619$139,518$145,637$151,984$158,569$165,399$172,485$179,836$187,462$195,375$203,584
- Contraction ARR ($)$-12,800$-13,464$-14,141$-14,832$-15,538$-16,259$-16,996$-17,749$-18,518$-19,305$-20,109$-20,931$-21,772$-22,632$-23,513$-24,413$-25,335$-26,279$-27,245$-28,234$-29,248$-30,285$-31,348$-32,437$-33,553$-34,696$-35,868$-37,069$-38,300$-39,562$-40,856$-42,182$-43,543$-44,938$-46,370$-47,838
- Churned ARR ($)$-35,200$-37,025$-38,887$-40,788$-42,730$-44,713$-46,739$-48,809$-50,925$-53,088$-55,299$-57,560$-59,873$-62,239$-64,660$-67,137$-69,672$-72,267$-74,924$-77,645$-80,431$-83,284$-86,207$-89,202$-92,270$-95,414$-98,636$-101,939$-105,324$-108,795$-112,353$-116,002$-119,743$-123,581$-127,516$-131,553
Ending ARR ($)$3,379,400$3,563,645$3,752,897$3,947,327$4,147,108$4,352,419$4,563,445$4,780,375$5,003,408$5,232,744$5,468,593$5,711,170$5,960,697$6,217,403$6,481,524$6,753,303$7,032,992$7,320,851$7,617,147$7,922,156$8,236,163$8,559,462$8,892,356$9,235,160$9,588,196$9,951,798$10,326,311$10,712,092$11,109,506$11,518,935$11,940,769$12,375,413$12,823,286$13,284,818$13,760,457$14,250,661
MRR ($, = Ending ARR / 12)$281,617$296,970$312,741$328,944$345,592$362,702$380,287$398,365$416,951$436,062$455,716$475,931$496,725$518,117$540,127$562,775$586,083$610,071$634,762$660,180$686,347$713,288$741,030$769,597$799,016$829,317$860,526$892,674$925,792$959,911$995,064$1,031,284$1,068,607$1,107,068$1,146,705$1,187,555
Customers & Retention
Beginning Customers (#)210.0216.7223.5230.4237.4244.5251.8259.2266.6274.3282.0289.9297.9306.0314.3322.7331.3340.0348.8357.8367.0376.4385.9395.5405.4415.4425.6436.0446.5457.3468.2479.4490.7502.3514.1526.1
- Churned Customers (#)-2.3-2.4-2.5-2.5-2.6-2.7-2.8-2.9-2.9-3.0-3.1-3.2-3.3-3.4-3.5-3.5-3.6-3.7-3.8-3.9-4.0-4.1-4.2-4.4-4.5-4.6-4.7-4.8-4.9-5.0-5.2-5.3-5.4-5.5-5.7-5.8
Ending Customers (#)216.7223.5230.4237.4244.5251.8259.2266.6274.3282.0289.9297.9306.0314.3322.7331.3340.0348.8357.8367.0376.4385.9395.5405.4415.4425.6436.0446.5457.3468.2479.4490.7502.3514.1526.1538.3
Net Revenue Retention % (NRR)99.7%99.7%99.7%99.7%99.8%99.8%99.8%99.8%99.8%99.8%99.8%99.8%99.9%99.9%99.9%99.9%99.9%99.9%99.9%100.0%100.0%100.0%100.0%100.0%100.0%100.0%100.1%100.1%100.1%100.1%100.1%100.1%100.1%100.1%100.2%100.2%
Gross Revenue Retention % (GRR)98.5%98.5%98.5%98.5%98.5%98.5%98.5%98.5%98.5%98.6%98.6%98.6%98.6%98.6%98.6%98.6%98.6%98.6%98.6%98.6%98.6%98.6%98.6%98.6%98.6%98.6%98.6%98.7%98.7%98.7%98.7%98.7%98.7%98.7%98.7%98.7%
Illustrative demo data. Beginning ARR each month equals prior month's Ending ARR - a true monthly bridge. Expansion improves and churn/contraction gently decay over time as the product and customer-success motion mature.
Full P&L: Monthly Build
Revenue through Net Income - COGS and Opex driven by Headcount Plan; revenue driven by ARR Build
Month #123456789101112131415161718192021222324252627282930313233343536
MonthJan-24Feb-24Mar-24Apr-24May-24Jun-24Jul-24Aug-24Sep-24Oct-24Nov-24Dec-24Jan-25Feb-25Mar-25Apr-25May-25Jun-25Jul-25Aug-25Sep-25Oct-25Nov-25Dec-25Jan-26Feb-26Mar-26Apr-26May-26Jun-26Jul-26Aug-26Sep-26Oct-26Nov-26Dec-26
Revenue ($)$281,617$296,970$312,741$328,944$345,592$362,702$380,287$398,365$416,951$436,062$455,716$475,931$496,725$518,117$540,127$562,775$586,083$610,071$634,762$660,180$686,347$713,288$741,030$769,597$799,016$829,317$860,526$892,674$925,792$959,911$995,064$1,031,284$1,068,607$1,107,068$1,146,705$1,187,555
Cost of Revenue (COGS)
Hosting / Infrastructure ($)$30,978$32,667$34,402$36,184$38,015$39,897$41,832$43,820$45,865$47,967$50,129$52,352$54,640$56,993$59,414$61,905$64,469$67,108$69,824$72,620$75,498$78,462$81,513$84,656$87,892$91,225$94,658$98,194$101,837$105,590$109,457$113,441$117,547$121,778$126,138$130,631
Customer Success & Support (headcount)$43,750$43,750$43,750$54,250$54,250$54,250$64,750$64,750$64,750$75,250$75,250$75,250$85,750$85,750$85,750$96,250$96,250$96,250$106,750$106,750$106,750$117,250$117,250$117,250$127,750$127,750$127,750$138,250$138,250$138,250$148,750$148,750$148,750$159,250$159,250$159,250
Professional Services Delivery ($)$14,081$14,849$15,637$16,447$17,280$18,135$19,014$19,918$20,848$21,803$22,786$23,797$24,836$25,906$27,006$28,139$29,304$30,504$31,738$33,009$34,317$35,664$37,051$38,480$39,951$41,466$43,026$44,634$46,290$47,996$49,753$51,564$53,430$55,353$57,335$59,378
Third-Party Data / API Cost ($)$8,448$8,909$9,382$9,868$10,368$10,881$11,409$11,951$12,509$13,082$13,671$14,278$14,902$15,544$16,204$16,883$17,582$18,302$19,043$19,805$20,590$21,399$22,231$23,088$23,970$24,879$25,816$26,780$27,774$28,797$29,852$30,939$32,058$33,212$34,401$35,627
Total COGS ($)$97,257$100,174$103,171$116,749$119,913$123,163$137,005$140,439$143,971$158,102$161,836$165,677$180,128$184,192$188,374$203,177$207,606$212,163$227,355$232,184$237,156$252,775$258,046$263,473$279,563$285,320$291,250$307,858$314,151$320,633$337,812$344,694$351,785$369,593$377,124$384,885
Gross Profit ($)$184,360$196,796$209,571$212,195$225,680$239,538$243,283$257,925$272,980$277,960$293,880$310,254$316,597$333,925$351,753$359,598$378,477$397,907$407,407$427,996$449,191$460,514$482,984$506,123$519,453$543,996$569,276$584,816$611,642$639,278$657,252$686,590$716,822$737,475$769,581$802,670
Gross Margin %65.5%66.3%67.0%64.5%65.3%66.0%64.0%64.7%65.5%63.7%64.5%65.2%63.7%64.4%65.1%63.9%64.6%65.2%64.2%64.8%65.4%64.6%65.2%65.8%65.0%65.6%66.2%65.5%66.1%66.6%66.1%66.6%67.1%66.6%67.1%67.6%
Operating Expenses
Sales & Marketing ($)$130,833$130,833$130,833$161,125$161,125$161,125$191,417$191,417$191,417$221,708$221,708$221,708$252,000$252,000$252,000$282,292$282,292$282,292$312,583$312,583$312,583$342,875$342,875$342,875$373,167$373,167$373,167$403,458$403,458$403,458$433,750$433,750$433,750$464,042$464,042$464,042
Research & Development ($)$231,667$231,667$231,667$269,333$269,333$269,333$307,000$307,000$307,000$344,667$344,667$344,667$382,333$382,333$382,333$420,000$420,000$420,000$457,667$457,667$457,667$495,333$495,333$495,333$533,000$533,000$533,000$570,667$570,667$570,667$608,333$608,333$608,333$646,000$646,000$646,000
General & Administrative ($)$56,250$56,250$56,250$64,125$64,125$64,125$72,000$72,000$72,000$79,875$79,875$79,875$87,750$87,750$87,750$95,625$95,625$95,625$103,500$103,500$103,500$111,375$111,375$111,375$119,250$119,250$119,250$127,125$127,125$127,125$135,000$135,000$135,000$142,875$142,875$142,875
Total Opex ($)$418,750$418,750$418,750$494,583$494,583$494,583$570,417$570,417$570,417$646,250$646,250$646,250$722,083$722,083$722,083$797,917$797,917$797,917$873,750$873,750$873,750$949,583$949,583$949,583$1,025,417$1,025,417$1,025,417$1,101,250$1,101,250$1,101,250$1,177,083$1,177,083$1,177,083$1,252,917$1,252,917$1,252,917
EBITDA ($)$-234,390$-221,954$-209,179$-282,389$-268,904$-255,045$-327,134$-312,491$-297,437$-368,290$-352,370$-335,996$-405,486$-388,159$-370,330$-438,319$-419,440$-400,009$-466,343$-445,754$-424,559$-489,070$-466,599$-443,460$-505,963$-481,420$-456,141$-516,434$-489,608$-461,972$-519,831$-490,493$-460,262$-515,441$-483,336$-450,247
EBITDA Margin %-83.2%-74.7%-66.9%-85.8%-77.8%-70.3%-86.0%-78.4%-71.3%-84.5%-77.3%-70.6%-81.6%-74.9%-68.6%-77.9%-71.6%-65.6%-73.5%-67.5%-61.9%-68.6%-63.0%-57.6%-63.3%-58.1%-53.0%-57.9%-52.9%-48.1%-52.2%-47.6%-43.1%-46.6%-42.1%-37.9%
D&A ($)$4,224$4,455$4,691$4,934$5,184$5,441$5,704$5,975$6,254$6,541$6,836$7,139$7,451$7,772$8,102$8,442$8,791$9,151$9,521$9,903$10,295$10,699$11,115$11,544$11,985$12,440$12,908$13,390$13,887$14,399$14,926$15,469$16,029$16,606$17,201$17,813
EBIT / Operating Income ($)$-238,615$-226,409$-213,871$-287,323$-274,087$-260,486$-332,838$-318,467$-303,691$-374,831$-359,206$-343,135$-412,937$-395,930$-378,432$-446,760$-428,231$-409,160$-475,864$-455,657$-434,854$-499,769$-477,715$-455,004$-517,949$-493,860$-469,049$-529,824$-503,495$-476,371$-534,757$-505,962$-476,291$-532,047$-500,536$-468,060
Interest Expense ($)$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000$8,000
Pre-Tax Income ($)$-246,615$-234,409$-221,871$-295,323$-282,087$-268,486$-340,838$-326,467$-311,691$-382,831$-367,206$-351,135$-420,937$-403,930$-386,432$-454,760$-436,231$-417,160$-483,864$-463,657$-442,854$-507,769$-485,715$-463,004$-525,949$-501,860$-477,049$-537,824$-511,495$-484,371$-542,757$-513,962$-484,291$-540,047$-508,536$-476,060
Tax Expense ($)$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0
Net Income ($)$-246,615$-234,409$-221,871$-295,323$-282,087$-268,486$-340,838$-326,467$-311,691$-382,831$-367,206$-351,135$-420,937$-403,930$-386,432$-454,760$-436,231$-417,160$-483,864$-463,657$-442,854$-507,769$-485,715$-463,004$-525,949$-501,860$-477,049$-537,824$-511,495$-484,371$-542,757$-513,962$-484,291$-540,047$-508,536$-476,060
Illustrative demo data. Every opex line links to the Headcount Plan; revenue links to the ARR Build - this P&L cannot be edited independently of the operating model.
Annual Summary (FY2024-FY2026)
FY2024FY2025FY2026
Revenue ($)$4,491,878$7,519,101$11,803,520
Total COGS ($)$1,567,457$2,646,629$3,964,669
Gross Profit ($)$2,924,421$4,872,472$7,838,851
Gross Margin %65.1%64.8%66.4%
Total Opex ($)$6,390,000$10,030,000$13,670,000
EBITDA ($)$-3,465,579$-5,157,528$-5,831,149
EBITDA Margin %-77.2%-68.6%-49.4%
Net Income ($)$-3,628,957$-5,366,315$-6,104,202
Cohort Retention: Revenue Retained by Acquisition Cohort
Illustrative blended retention curve (expansion - contraction - churn) applied per cohort, with a small cohort-quality variation
Net Monthly Retention Rate (Expansion - Contraction - Churn)-0.3%
CohortQuality IdxM+0M+1M+2M+3M+4M+5M+6M+7M+8M+9M+10M+11M+12
Jan-20241.00x100%100%99%99%99%99%98%98%98%97%97%97%96%
Apr-20241.04x100%100%99%99%99%98%98%98%98%97%97%97%96%
Jul-20240.97x100%100%99%99%99%99%98%98%98%97%97%97%97%
Oct-20241.02x100%100%99%99%99%98%98%98%98%97%97%97%96%
Jan-20251.06x100%100%99%99%99%98%98%98%97%97%97%97%96%
Apr-20250.99x100%100%99%99%99%99%98%98%98%97%97%97%96%
Jul-20251.03x100%100%99%99%99%98%98%98%98%97%97%97%96%
Oct-20251.01x100%100%99%99%99%98%98%98%98%97%97%97%96%
Illustrative demo data - a simplified blended curve, not distinct per-cohort economics. Cells >100% reflect net expansion outweighing churn/contraction for that cohort.
Cash Flow & Runway
Month #123456789101112131415161718192021222324252627282930313233343536
MonthJan-24Feb-24Mar-24Apr-24May-24Jun-24Jul-24Aug-24Sep-24Oct-24Nov-24Dec-24Jan-25Feb-25Mar-25Apr-25May-25Jun-25Jul-25Aug-25Sep-25Oct-25Nov-25Dec-25Jan-26Feb-26Mar-26Apr-26May-26Jun-26Jul-26Aug-26Sep-26Oct-26Nov-26Dec-26
Net Income ($)$-246,615$-234,409$-221,871$-295,323$-282,087$-268,486$-340,838$-326,467$-311,691$-382,831$-367,206$-351,135$-420,937$-403,930$-386,432$-454,760$-436,231$-417,160$-483,864$-463,657$-442,854$-507,769$-485,715$-463,004$-525,949$-501,860$-477,049$-537,824$-511,495$-484,371$-542,757$-513,962$-484,291$-540,047$-508,536$-476,060
+ D&A Add-Back ($)$4,224$4,455$4,691$4,934$5,184$5,441$5,704$5,975$6,254$6,541$6,836$7,139$7,451$7,772$8,102$8,442$8,791$9,151$9,521$9,903$10,295$10,699$11,115$11,544$11,985$12,440$12,908$13,390$13,887$14,399$14,926$15,469$16,029$16,606$17,201$17,813
Operating Cash Flow ($)$-242,390$-229,954$-217,179$-290,389$-276,904$-263,045$-335,134$-320,491$-305,437$-376,290$-360,370$-343,996$-413,486$-396,159$-378,330$-446,319$-427,440$-408,009$-474,343$-453,754$-432,559$-497,070$-474,599$-451,460$-513,963$-489,420$-464,141$-524,434$-497,608$-469,972$-527,831$-498,493$-468,262$-523,441$-491,336$-458,247
Financing Inflow ($)$0$0$0$0$0$0$0$0$0$0$0$0$0$0$18,000,000$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0
Beginning Cash ($)$6,000,000$5,757,610$5,527,656$5,310,476$5,020,087$4,743,184$4,480,139$4,145,005$3,824,513$3,519,077$3,142,787$2,782,417$2,438,421$2,024,935$1,628,776$19,250,446$18,804,127$18,376,687$17,968,678$17,494,335$17,040,581$16,608,022$16,110,952$15,636,353$15,184,893$14,670,929$14,181,509$13,717,368$13,192,935$12,695,326$12,225,354$11,697,523$11,199,030$10,730,768$10,207,327$9,715,991
Net Change in Cash ($)$-242,390$-229,954$-217,179$-290,389$-276,904$-263,045$-335,134$-320,491$-305,437$-376,290$-360,370$-343,996$-413,486$-396,159$17,621,670$-446,319$-427,440$-408,009$-474,343$-453,754$-432,559$-497,070$-474,599$-451,460$-513,963$-489,420$-464,141$-524,434$-497,608$-469,972$-527,831$-498,493$-468,262$-523,441$-491,336$-458,247
Ending Cash ($)$5,757,610$5,527,656$5,310,476$5,020,087$4,743,184$4,480,139$4,145,005$3,824,513$3,519,077$3,142,787$2,782,417$2,438,421$2,024,935$1,628,776$19,250,446$18,804,127$18,376,687$17,968,678$17,494,335$17,040,581$16,608,022$16,110,952$15,636,353$15,184,893$14,670,929$14,181,509$13,717,368$13,192,935$12,695,326$12,225,354$11,697,523$11,199,030$10,730,768$10,207,327$9,715,991$9,257,744
Trailing 3-Mo Avg Burn ($/mo)$242,390$229,954$229,841$245,841$261,491$276,779$291,694$306,224$320,354$334,073$347,365$360,219$372,617$384,547$395,992$406,936$417,363$427,256$436,597$445,369$453,552$461,128$468,076$474,376$480,008$484,948$489,175$492,665$495,394$497,338$498,471$498,765$498,195$496,732$494,346$491,008
Runway (months)23.8 mo24.0 mo23.1 mo20.4 mo18.1 mo16.2 mo14.2 mo12.5 mo11.0 mo9.4 mo8.0 mo6.8 mo5.4 mo4.2 mo48.6 mo46.2 mo44.0 mo42.1 mo40.1 mo38.3 mo36.6 mo34.9 mo33.4 mo32.0 mo30.6 mo29.2 mo28.0 mo26.8 mo25.6 mo24.6 mo23.5 mo22.5 mo21.5 mo20.5 mo19.7 mo18.9 mo
Illustrative demo data. Runway = Ending Cash / trailing 3-month average burn; shows 'Cash-flow positive' once burn turns negative (i.e., the company is generating cash).
KPI Dashboard: The Full SaaS Metrics Suite
Current (Dec-2026) vs. Prior Year (Dec-2025) | 3-year quarterly trend | RAG status
KPICurrentPrior YearYoY / ΔSt.3-Yr TrendCommentary
ARR ($)$14,250,661$9,235,16054%▁▁▂▂▃▃▄▅▅▆▇█Annual Recurring Revenue, exit run-rate.
MRR ($)$1,187,555$769,59754%▁▁▂▂▃▃▄▅▅▆▇█Monthly Recurring Revenue = ARR / 12.
Net Revenue Retention % (TTM)101%99%2%▁▂▂▃▃▄▅▅▆▇▇█Trailing-12-month compounded net revenue retention from existing customers.
Gross Revenue Retention % (TTM)85%84%1%▁▂▂▃▄▄▅▆▆▇▇█Trailing-12-month retention before expansion - the 'floor' on revenue durability.
Gross Margin % (TTM)66%65%2%▆▄▂▁▁▁▂▃▄▅▇█Trailing-12-month gross margin; healthy SaaS benchmarks run 75-85%.
CAC ($, TTM blended)$25,873$23,31511%Fully-loaded S&M cost per new customer over the trailing 12 months.
LTV ($)$138,331$125,62810%LTV = Annual ARPA x Gross Margin % / Annualized Churn Rate.
LTV : CAC5.35x5.39x-4%Efficiency ratio; venture-backed SaaS typically targets 3x or higher.
CAC Payback (months)18.1 mo17.9 mo1%Months of gross profit from a new customer needed to recover its acquisition cost.
Rule of 40 (%)5%-69%73%ARR growth % + EBITDA margin % (TTM). Above 40% is the classic healthy-SaaS bar.
Burn Multiple (TTM)1.16x1.46x-21%Net burn / Net New ARR (TTM); under 1.0x is considered efficient growth.
Ending Cash ($)$9,257,744$15,184,893-39%▂▂▁▁█▇▇▆▆▅▄▄Cash on hand at period end, after the modeled Series B raise.
Cash Runway (months)18.9 mo32.0 mo-41%Ending cash / trailing 3-month average burn.
Underlying Annual Trend (linked)
FY2024FY2025FY2026
ARR, Year-End ($)$5,711,170$9,235,160$14,250,661
Revenue, FY ($)$4,491,878$7,519,101$11,803,520
EBITDA, FY ($)$-3,465,579$-5,157,528$-5,831,149
Illustrative demo data created to showcase a full SaaS financial model. Not a real business.
Valuation Snapshot
Illustrative ARR-multiple valuation range at the Dec-2026 exit run-rate
Exit ARR ($, Dec-2026)$14,250,661
ScenarioARR MultipleImplied Valuation ($)
Conservative5.00x$71,253,307
Base Case8.00x$114,005,291
Bull Case12.00x$171,007,937
Series B Post-Money (Assumption, for reference)$95,000,000
Implied ARR Multiple at Series B14.66x
Illustrative demo data. ARR multiples are placeholder benchmarks, not derived from real comparable transactions.