What is the Financial Engine and how does driver-based modeling work?

The Financial Engine is an institutional 3-statement modeling cockpit that connects revenue growth, R&D capital allocation, headcount capacity, and operating leverage drivers to real-time cash flow and 5-year DCF projections.

How do autonomous code velocity and R&D capital efficiency impact software valuations?

The Financial Engine models how autonomous engineering velocity, 1-year lagged R&D return on investment, and ASC 350-40 internal-use software capitalization compound EBITDA and 5-year free cash flow.

Can I export audit-ready Excel models and executive memos?

Yes, the Financial Engine supports instant exports to 5-tab audit-ready Excel workbooks (.xlsx), 1-page PDF executive memos, CSV data tables, and scenario comparison bridges.

Loading the financial model…

Financial Engine

Ratings index

Executive Financial Copilot

Live 3-Stmt

You are projected to grow 20% next year, and make $5.3M cash. Would you like to increase revenue next year? **Executive Strategic Levers Available:** 1. **Software Capitalization (`/convert`):** Shift qualifying engineering payroll from OpEx into capitalized software assets to expand GAAP EBITDA dollar-for-dollar (+$15M–$22M Enterprise Value lift). 2. **Profit Goal-Seeking:** Reverse-engineer the revenue growth, hiring pace, or OpEx cuts needed to achieve target EBITDA milestones. 3. **Executive Presentation Deck (`/deck`):** Review 10 institutional board slides with automated P&L waterfalls and multiple bridges. **What to do next:** - Click any quick action below to test a strategic lever. - Type any command in the prompt bar (e.g., `/convert`, `/bridge`, or `cut OpEx by $500k`). - Double-click any cell on the financial model grid to test an assumption directly.

Executive FP&A Briefing

Scenario:

Quick Workflows:

3-Month Forecast OverlayManual dollar overrides for M1–M3. Base plan remains underneath; M4+ follows driver formulas.

Oct 2026Forecast

Nov 2026Forecast

Dec 2026Forecast

Revenue

Software

Headcount

3-Year P&LBase Case

Topline & Unit Economics

+20.0% CAGR

+$1,100,000

+$3,300,000

Operating Expenses (OpEx)

+$69,552

↳

+$23,184

↳

+$23,184

↳

+$23,184

+$352,800

+$160,494

+$143,600

+$118,259

+$0

+$422,352

+$0

Operating Profitability & Cash Flow

+$2,877,648

-$289,882

+$3,167,530

+$12,300

+$3,155,230

3-Year Financial Summary

FY26 Base

FY27 Target

FY28 Scale

3 lines

Revenue

SaaS WalkNon-GAAP Operational

ARR Roll-Forward Bridge

Roll forward ARR from beginning to ending run-rate through customer churn, expansion, and new logos.

Bridge Component

Driver

FY26

FY27

FY28

Beginning ARR

$10,000,000

$12,000,000

$14,400,000

Gross Churn

$500,000

$600,000

$720,000

Expansion

$1,500,000

$1,800,000

$2,160,000

New logos

$1,000,000

$1,200,000

$1,440,000

Ending ARR

$12,000,000

$14,400,000

$17,280,000

$10,000,000

$12,000,000

$14,400,000

Cost of Goods Sold (COGS)

$2,500,000

$3,000,000

$3,600,000

Gross Profit

$7,500,000

$9,000,000

$10,800,000

11 lines

Software

$480,000

$513,600

$549,552

ERP

$160,000

$171,200

$183,184

Point tools

$160,000

$171,200

$183,184

Glue

$160,000

$171,200

$183,184

Headcount (Loaded Compensation)

$1,680,000

$1,848,000

$2,032,800

Sales & Marketing (S&M)

$820,800

$897,408

$981,294

Research & Development (R&D)

$734,400

$802,944

$878,000

General & Administrative (G&A)

$604,800

$661,248

$723,059

Sheet cost

$424,320

Total OpEx

$2,584,320

$2,785,920

$3,006,672

OpEx/FTE

$215,360

1 line

Operating Income (EBITDA)

$5,340,000

$6,638,400

$8,217,648

4 lines

Change in Working Capital (ΔNWC)

-$658,822

-$790,586

-$948,704

Operating Cash Flow (OCF)

$5,998,822

$7,428,986

$9,166,352

Capital Expenditures (CapEx)

$120,000

$126,000

$132,300

Free Cash Flow (FCF)

$5,878,822

$7,302,986

$9,034,052

Loading the financial model…

Financial Engine

Ratings index

Executive Financial Copilot

Live 3-Stmt

Executive FP&A Briefing

Scenario:

Quick Workflows:

3-Month Forecast OverlayManual dollar overrides for M1–M3. Base plan remains underneath; M4+ follows driver formulas.

Oct 2026Forecast

Nov 2026Forecast

Dec 2026Forecast

Revenue

Software

Headcount

3-Year P&LBase Case

Topline & Unit Economics

+20.0% CAGR

+$1,100,000

+$3,300,000

Operating Expenses (OpEx)

+$69,552

↳

+$23,184

↳

+$23,184

↳

+$23,184

+$352,800

+$160,494

+$143,600

+$118,259

+$0

+$422,352

+$0

Operating Profitability & Cash Flow

+$2,877,648

-$289,882

+$3,167,530

+$12,300

+$3,155,230

3-Year Financial Summary

FY26 Base

FY27 Target

FY28 Scale

3 lines

Revenue

SaaS WalkNon-GAAP Operational

ARR Roll-Forward Bridge

Roll forward ARR from beginning to ending run-rate through customer churn, expansion, and new logos.

Bridge Component

Driver

FY26

FY27

FY28

Beginning ARR

$10,000,000

$12,000,000

$14,400,000

Gross Churn

$500,000

$600,000

$720,000

Expansion

$1,500,000

$1,800,000

$2,160,000

New logos

$1,000,000

$1,200,000

$1,440,000

Ending ARR

$12,000,000

$14,400,000

$17,280,000

$10,000,000

$12,000,000

$14,400,000

Cost of Goods Sold (COGS)

$2,500,000

$3,000,000

$3,600,000

Gross Profit

$7,500,000

$9,000,000

$10,800,000

11 lines

Software

$480,000

$513,600

$549,552

ERP

$160,000

$171,200

$183,184

Point tools

$160,000

$171,200

$183,184

Glue

$160,000

$171,200

$183,184

Headcount (Loaded Compensation)

$1,680,000

$1,848,000

$2,032,800

Sales & Marketing (S&M)

$820,800

$897,408

$981,294

Research & Development (R&D)

$734,400

$802,944

$878,000

General & Administrative (G&A)

$604,800

$661,248

$723,059

Sheet cost

$424,320

Total OpEx

$2,584,320

$2,785,920

$3,006,672

OpEx/FTE

$215,360

1 line

Operating Income (EBITDA)

$5,340,000

$6,638,400

$8,217,648

4 lines

Change in Working Capital (ΔNWC)

-$658,822

-$790,586

-$948,704

Operating Cash Flow (OCF)

$5,998,822

$7,428,986

$9,166,352

Capital Expenditures (CapEx)

$120,000

$126,000

$132,300

Free Cash Flow (FCF)

$5,878,822

$7,302,986

$9,034,052

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