Free download. No sign-up, no email.
Download Excel (.xlsx)7 KBWho this template is for
- Anyone writing the financial section of a plan
- Loan and grant applicants
- Startups preparing for investors
How to fill it in
- Open the Assumptions sheet and replace the yellow cells.
- Enter your year-one revenue and growth rates.
- Set gross margin and monthly operating costs.
- Add your loan or investment amounts.
- Review the Projections sheet for profit and ending cash.
- Copy the summary into your business plan.
What is inside
- Sheet: Assumptions
- Assumption
- Year 1 revenue
- Revenue growth, year 2
- Revenue growth, year 3
- Gross margin (revenue minus cost of sales)
- Monthly rent
- Monthly payroll (incl. taxes)
- Monthly marketing
- Monthly utilities and software
- Monthly insurance
- Monthly other expenses
- Annual expense growth
- Starting cash (owner investment)
- Loan amount
- Loan interest rate (annual)
- Loan term (years)
- One-time startup costs paid in year 1
- Income tax rate (estimate)
- Sheet: Projections
- Revenue
- Cost of sales
- Gross profit
- Rent
- Payroll
- Marketing
Writing a full business plan?
Browse 39 free sample plans by industry, each with startup costs and projections.
Frequently asked questions
How far ahead should financial projections go?
Three years is standard for most business plans, with the first year shown monthly when applying for a loan.
What if my projections are wrong?
They will be, to some degree. Readers mainly want reasonable, clearly explained assumptions, so note the source of each one.
Is this 3-year financial projections template free to use?
Yes. Download it, edit it and use it for your own business at no cost. No account or email address is required.