Templates/Financial Model
Financial PlanningIntermediateFree Template

B2B SaaS Financial Model Template

Comprehensive financial planning spreadsheet with ARR/MRR projections, CAC/LTV calculations, runway modeling, and unit economics. Built from scaling Backupify from $0 to acquisition and 18+ additional ventures.

Template Type
Interactive + Excel
Time to Setup
2-3 hours
Projections
5 years
Scenarios
Best/Base/Worst

Download Financial Model Template

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CSV Spreadsheet

Excel, Google Sheets, Numbers

Fully customizable with formulas, example data, and detailed instructions

PDF Guide

Complete guidebook

110-page comprehensive guide with formulas, benchmarks, and examples

What's Included in This Model

Six comprehensive sections covering every aspect of B2B SaaS financial planning, with pre-built formulas and real-world examples.

Revenue Projections

Project your MRR, ARR, and revenue growth over 60 months

FEATURES:

  • Monthly Recurring Revenue (MRR) tracking
  • Annual Recurring Revenue (ARR) calculations
  • New vs. expansion vs. churned revenue breakdown
  • Revenue cohort analysis
  • Growth rate trending (MoM and YoY)
  • Multiple pricing tier modeling

KEY FORMULAS:

MRR = Sum of all monthly recurring subscriptions
ARR = MRR × 12
Net New MRR = New MRR + Expansion MRR - Churned MRR

Customer Metrics

Track customer acquisition, retention, and lifetime value

FEATURES:

  • Customer acquisition tracking by channel
  • Churn rate calculations (revenue and logo)
  • Cohort retention analysis
  • Customer lifetime value (LTV) modeling
  • Net Revenue Retention (NRR) tracking
  • Expansion revenue opportunities

KEY FORMULAS:

LTV = ARPA / Revenue Churn Rate
Revenue Churn = (Churned MRR / Beginning MRR) × 100
NRR = ((Starting MRR + Expansion - Downgrades - Churn) / Starting MRR) × 100

Customer Acquisition Cost (CAC)

Calculate and optimize your customer acquisition costs

FEATURES:

  • Sales & marketing expense tracking
  • CAC by channel analysis
  • Blended CAC calculations
  • CAC payback period modeling
  • LTV:CAC ratio tracking (target: 3:1 or higher)
  • Magic Number calculation for sales efficiency

KEY FORMULAS:

CAC = (Sales + Marketing Expenses) / New Customers Acquired
CAC Payback = CAC / (ARPA × Gross Margin %)
LTV:CAC Ratio = Customer LTV / CAC (target ≥ 3:1)

Unit Economics

Validate that your business model is fundamentally sound

FEATURES:

  • Gross margin calculations (target: 70-85% for SaaS)
  • Contribution margin per customer
  • Cost of goods sold (COGS) breakdown
  • Hosting and infrastructure costs
  • Support costs per customer
  • Break-even analysis

KEY FORMULAS:

Gross Margin % = (Revenue - COGS) / Revenue × 100
Contribution Margin = ARPA - Variable Costs per Customer
Break-even Customers = Fixed Costs / Contribution Margin

Runway & Burn Rate

Monitor cash position and plan for sustainable growth

FEATURES:

  • Monthly cash burn calculations
  • Runway projections based on current burn
  • Cash flow forecasting
  • Scenario planning (best/base/worst case)
  • Fundraising milestone planning
  • Path to profitability modeling

KEY FORMULAS:

Monthly Burn Rate = Monthly Expenses - Monthly Revenue
Runway = Current Cash / Monthly Burn Rate
Months to Profitability = Time until Revenue > Expenses

P&L Projections

Complete profit & loss forecasting for 5 years

FEATURES:

  • Revenue by product/tier
  • COGS and gross profit
  • Operating expenses (R&D, S&M, G&A)
  • EBITDA and net income
  • Headcount planning by department
  • Expense ratios and benchmarks

KEY FORMULAS:

Gross Profit = Revenue - COGS
Operating Income = Gross Profit - Operating Expenses
Rule of 40 = Growth Rate % + Profit Margin % (target ≥ 40%)

B2B SaaS Metrics Benchmarks

Target these benchmarks to ensure healthy, capital-efficient growth. Based on data from 18+ ventures and industry standards.

MetricTarget / BenchmarkWhy It Matters
MRR Growth Rate10-20% month-over-month (early stage)Consistent MRR growth indicates product-market fit
Revenue Churn< 5% annually for enterprise, < 10% for SMBHigh churn kills growth - focus on retention first
LTV:CAC Ratio≥ 3:1 (higher is better)Ensures profitable customer acquisition
CAC Payback Period< 12 monthsHow quickly you recover customer acquisition costs
Gross Margin70-85% for SaaSIndicates pricing power and cost efficiency
Magic Number> 0.75 (efficient), > 1.0 (very efficient)Net new ARR / Sales & marketing spend
Net Revenue Retention> 100% (target 110-120%)Includes expansion revenue from existing customers
Rule of 40≥ 40%Growth rate % + Profit margin % - balance growth and profitability

Real-World Example Included

Example SaaS Co.

Early Growth Stage

Healthy Unit Economics
mrr
$50,000
customers
100
arpa
$500/mo
cac
$1,200
ltv
$6,000
gross Margin
78%
burn Rate
$75,000/mo
runway
16 months

Key Insights:

  • LTV:CAC ratio of 5:1 - excellent unit economics
  • CAC payback of 2.4 months - very efficient
  • Burn rate sustainable with current growth trajectory
  • Ready for seed fundraise to accelerate growth

How to Use This Template

1

Download and Review

Download the Excel template and review the example scenario to understand the structure. Each tab is clearly labeled with instructions.

2

Input Your Data

Start with your current metrics (MRR, customers, ARPA, etc.) in the clearly marked input cells (highlighted in blue). All formulas will auto-calculate.

3

Project Growth Assumptions

Input your growth assumptions (customer acquisition rate, churn, pricing changes, etc.). Start conservative with your base case.

4

Create Scenarios

Use the scenario tabs to model best case, base case, and worst case. This helps with fundraising conversations and contingency planning.

5

Review Metrics Dashboard

Check the auto-generated metrics dashboard to see your LTV:CAC, payback period, Rule of 40, and other key indicators. Compare to benchmarks.

6

Update Monthly

Update your actuals monthly and compare to projections. Adjust assumptions based on learnings. This becomes your board reporting foundation.

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