SaaS (B2C) Financial Model Template for AI-Powered Platforms

I built this B2C SaaS model within the context of an AI-powered financial advisory platform business. It includes a comprehensive 3-statement financial model template. The target customers for this would be startups and growing businesses. This model offers detailed projections across income statements, balance sheets, and cash flow statements. Whether you're seeking to attract investors or streamline your financial planning, this template provides the robust, data-driven insights you need to scale confidently. Featuring integrated assumptions, scenario analysis, and automated financial ratios, this tool is essential for any B2C SaaS platform looking to achieve sustainable growth. Download now and take the guesswork out of your financial forecasting.


$99.00 USD

After purchase, this template will be immediately available to download. It is also included in the SaaS models bundle and The Super Smart Bundle.


AI SaaS

I would suggest using this template for any B2C SaaS platform.

Template Features:
  • 5-year monthly and annual financial statement output.
  • DCF Analysis for project and inside / outside investors.
  • IRR, Equity Multiple, ROI.
  • 4 configurable SaaS tiers.
  • Option to collect 100% of contract value up front or evenly over contract life (relevant for contracts that are greater than one month long).
  • Subscription, transaction fees, and/or one-time fee revenue streams.
  • Added a free customer pool module.
  • Dynamic COGS (cost per user per month, % of revenue, and manually defined COGS.
  • Dynamic scaling for customer service reps and sales reps (two types per tier).
  • SaaS tiers have options for contract length, value per contract, retention, increase of contract value at renewal, ad spend (tier specific and a general ad spend option), and more.
  • Charts / visualizations and high-level executive summary included.
  • Extremely flexible for many different business cases / projection needs.
  • Contract length editable (1 month for month-to-month or 6-month, 12-month, or what have you)
  • Option for the use of debt / leverage and DSCR.
  • Drives down to EBITDA / cash flow monthly and annual.
Starting an AI business can be highly lucrative given the growing demand across multiple sectors. The concept behind this financial model was an AI business that required key revenue and expense assumptions:

AI Business Concept: AI-Powered Financial Advisory Platform

This platform would use advanced AI algorithms to offer personalized financial advice to individual investors and small businesses. The platform could provide services such as portfolio management, investment recommendations, tax optimization, and financial planning using predictive analytics and machine learning.

Key Revenue Streams:

Subscription Fees:
  • Basic Tier (monthly/annual option): $x/month for basic financial planning and investment recommendations.
  • Premium Tier (monthly/annual option): $xx/month for advanced services, including tax optimization and personalized advisory.
Transaction Fees:
  • Charge a small fee (e.g., 0.1%) on each transaction made through the platform, such as purchasing or selling stocks, bonds, or other financial products.
Affiliate Partnerships / one-time signup fees:
  • Earn commissions by partnering with financial service providers like insurance companies, mutual funds, and loan providers, offering their products to users.
Key Expense Assumptions:

Development Costs:
  • Initial AI and Platform Development: $500,000 - $1,000,000 for developing the core algorithms, machine learning models, and user interface. This model has dynamic inputs for when certain expense and revenue assumptions happen. This allows for more accurate cash requirement planning / understand expected burn during development.
  • Ongoing R&D: $200,000 annually for maintaining and improving AI algorithms.
Operational Costs:
  • Cloud Hosting and Data Storage: $100,000/year to host the platform and store user data securely.
  • Customer Support: $50,000/year for a small team to handle user inquiries and issues.
Marketing and Sales:
  • Digital Marketing: $200,000/year for online marketing campaigns, SEO, content marketing, and social media ads.
  • Sales Team: $100,000/year for salaries and commissions of sales personnel targeting small businesses and enterprise clients.
Regulatory Compliance:
  • Legal and Compliance Costs: $50,000/year to ensure the platform adheres to financial regulations and data privacy laws.
General and Administrative Costs:
  • Office Space: $50,000/year for rent and utilities (if a physical office is required).
  • Miscellaneous Expenses: $20,000/year for miscellaneous operational costs.
Financial Projections (Hypothetical):

Year 1: Focus on platform development, initial marketing, and acquiring early users.
  • Revenue: $100,000 (from early adopters)
  • Expenses: $1,020,000
  • Net Loss: $920,000
Year 2: Scale user base, optimize AI, and expand service offerings.
  • Revenue: $1,500,000 (from subscriptions, transaction fees, and partnerships)
  • Expenses: $600,000
  • Net Profit: $900,000
Year 3: Reach full market penetration, explore new markets (e.g., international expansion).
  • Revenue: $5,000,000
  • Expenses: $1,000,000
  • Net Profit: $4,000,000
This business model leverages AI's strengths in data analysis and prediction, offering scalable, high-margin services that could appeal to a wide range of customers, from individual investors to small businesses.

Some more insights about this spreadsheet:
  • Used this SaaS template as the foundation.
  • Added a 4th configurable tier.
  • Added a traffic module with conversions to each tier.
  • Added a free tier with the option for users to convert out of the free tier to the paid tier.
  • Added customer service rep and sales rep scaling for the 4th tier.
  • Added two new revenue stream options (transaction fees / one-time revenues).
  • Broke out sales and marketing into four line items viewable on the executive summary, income statement, and pro forma detail tabs.
  • Added a fixed cost cost of goods sold (COGS) section for better comprehensive cost modeling as well as a COGS section based on percentage of revenue.
  • Added a dynamic ad spend module with cost per acquisition inputs that applies to all tiers. The user defines the percentage of new customers derived from that spend that flow to each tier.
If you want to define your own retention schedule patterns for each customer tier, you can simply drop in whatever decay curve you want in the 'validation' tab for each tier (including the free tier).

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