Mudhal.ai is AI-assisted financial modeling for founders. You describe your business in plain language and Mudhal builds a 5-year, three-statement financial model — Income Statement, Balance Sheet, and Cash Flow — plus key metrics and an investor one-pager. No spreadsheets or finance background required.

Who is Mudhal.ai for?

Startup founders and entrepreneurs who need a credible financial model for planning or fundraising without hiring an analyst or building spreadsheets.

Do I need finance or spreadsheet skills to use Mudhal?

No. Describe your business in plain language and Mudhal's AI drafts a starting model you can refine. You can also use industry presets or enter assumptions manually.

What does Mudhal produce?

A linked 5-year Income Statement, Balance Sheet, and Cash Flow, plus metrics like runway, burn, break-even, and ARR, worst/base/best scenarios, month-by-month detail, and a shareable investor one-pager. You can export to CSV and PDF.

Yes — it's free to sign up, and includes free AI-generated model drafts to get started.

Financial modeling for founders

Your 5-year financial model, ready for investors, in minutes.

Describe your business in plain words. Mudhal builds your revenue plan, expenses and hiring, then produces a linked Income Statement, Balance Sheet and Cash Flow.

Build my model free Go to my models

3 statements, fully linked Month-by-month cash runway No spreadsheet skills needed

Sign in to Mudhal

Pick up where you left off, on any device.

Email Password

Forgot password?

By continuing you agree to the Terms & Disclaimer.

Welcome back

Signed in as

Go to my models

The same statements your investors and accountant expect.

Sample model: Acme Cloud, a SaaS company for dental clinics. Every number below comes from Mudhal's engine.

Acme Cloud · Base case

Income StatementBalance SheetCash Flow

USD thousands	FY26	FY27	FY28	FY29	FY30
Revenue	480	888	1,643	3,039	5,622
Cost of revenue	(86)	(160)	(296)	(547)	(1,012)
Gross profit	394	728	1,347	2,492	4,610
Personnel	(486)	(774)	(813)	(854)	(896)
Sales & marketing	(144)	(266)	(493)	(912)	(1,687)
G&A	(70)	(83)	(97)	(115)	(136)
EBITDA	(306)	(395)	(56)	612	1,892
Depreciation	(5)	(11)	(17)	(18)	(20)
Income tax	0	0	0	(125)	(393)
Net income	(311)	(406)	(73)	469	1,479

Break-even

2029

Gross margin

82%

Cash, FY30

$3.3M

Revenue by year ($K)

How it works

From an idea to a full financial plan in three steps.

01

Describe your business

Tell us what you sell and who buys it, or start from one of six industry templates.

02

Build it your way

Fill a simple form, answer a coach's questions one by one, or edit every number in a grid.

03

Get your statements

See your Income Statement, Balance Sheet and Cash Flow, plus runway and break-even.

What you get

Everything a founder needs before the first investor meeting.

Three linked statements

The balance sheet balances every year, and cash ties out to the cash flow statement.

AI first draft

Describe your company and get a complete starting model you can adjust line by line.

Runway and break-even

Month-by-month cash, burn rate, and the year you turn profitable.

Worst, base, best case

See how your plan holds up if growth comes in slower or faster than expected.

Investor one-pager

A single page with your story, market size and key numbers, ready to send.

PDF and CSV export

Take your model into a pitch deck, a data room, or your accountant's spreadsheet.

Build your first model today.

Free to start. No credit card.

Start free Go to my models

Your models

How do you want to build it?

Three ways in — all of them end at the same place: a linked Income Statement, Balance Sheet and Cash Flow. You can switch later.

White cells are yours to type in. Grey rows calculate themselves. Fill → copies a year across at the growth rate next to it.

Other assumptions

The grid drives your Income Statement. These drive the Balance Sheet and Cash Flow.

Start year Plan length (years) Tax rate (%) Cash in the bank today ($) Equity raised yr 1 ($) Debt drawn yr 1 ($) CapEx yr 1 ($) Depreciation life (yrs) A/R days

1 · Your business

Start from a template

Company name Industry / type

What are you building? (optional, helps the AI)

1b · Pitch narrative (optional — powers your pitch deck)

Leave blank to auto-fill from your description, or let the AI draft write these. Each becomes a slide.

One-line hook Problem Solution

Total market (TAM) Serviceable (SAM)

Obtainable (SOM) Market note

Why now Vision

2 · Revenue model

Each stream grows at its annual rate. Use Total $/yr for a top-line figure, or Price × users to build it from the pieces: price (per month, per unit) × units/user (how many each customer buys — e.g. book sets; 1 for a flat subscription) × # users. Mudhal annualizes ×12.

New to these terms? Read this

Growth %/yr — how fast you add new customers each year.
Churn %/mo — the share of customers who cancel each month. It compounds fast: 5%/mo means you keep only ~54% of customers after a year; 3%/mo keeps ~69%. Lower churn = a stickier product = far more revenue over time, which is why retention (a good shelf cap, expiry, habit) matters so much. Leave it at 0 if you're not sure and want to ignore it for now.

2b · Goal-seek — how many customers to hit a target?

Enter a yearly revenue target and your monthly price. Mudhal works backwards to the paying customers — and sign-ups per month — you'd need.

Target revenue ($/yr) Price ($/mo per customer) Ramp (months to get there)

3 · Expense model

Fixed lines grow at their rate; % lines scale with revenue.

COGS (% of revenue)

4 · Team & salaries

Headcount drives a “Personnel (team)” expense line (with payroll load). Leave empty to enter salaries as a normal expense above instead.

Payroll load — benefits + employer taxes (%)

5 · Assumptions

Plan length (years) Start year Tax rate (%) Starting cash ($) Equity raised yr 1 ($) Debt drawn yr 1 ($) Interest rate (%) Debt term (years) CapEx yr 1 ($) CapEx growth (%) Depreciation life (yrs) A/R days A/P days Inventory days

Live what-if drag a slider and watch the model move

Revenue growth 100% Sales & marketing 100% Headcount 100% Funding raised 100%

Customers per stream grow each revenue stream on its own

Scenarios — sensitivity around your base case

1 / 1

Your models

How do you want to build it?

Classic

Coach

Grid

Other assumptions

1 · Your business

1b · Pitch narrative (optional — powers your pitch deck)

2 · Revenue model

2b · Goal-seek — how many customers to hit a target?

3 · Expense model

4 · Team & salaries

5 · Assumptions

Scenarios — sensitivity around your base case

The same statements your investors and accountant expect.

From an idea to a full financial plan in three steps.

Describe your business

Build it your way

Get your statements

Everything a founder needs before the first investor meeting.

Three linked statements

AI first draft

Runway and break-even

Worst, base, best case

Investor one-pager

PDF and CSV export

Build your first model today.

Terms & Disclaimer

Not advice

No guarantees

Your responsibility

Reset password

Contact us

Your models

How do you want to build it?

Classic

Coach

Grid

Other assumptions

1 · Your business

1b · Pitch narrative (optional — powers your pitch deck)

2 · Revenue model

2b · Goal-seek — how many customers to hit a target?

3 · Expense model

4 · Team & salaries

5 · Assumptions

Scenarios — sensitivity around your base case