Free & premium resources

CFO tools you can
run yourself

The same models a finance team would build — scaled for a small business and simple enough to use on your own. When you're ready to hand it off, we'll be here.

Not every business is ready for a monthly retainer — and that's fine. These templates give you the tools to stay organized, understand your numbers, and make sharper calls on your own.

Free downloads

Starter templates

Free. Tell us where to send it, and it's yours — no drip campaign, no sales calls.

Monthly P&L tracker

Track income and expenses month by month. Simple, but you'll see your profitability at a glance.

Cash flow tracker

Know exactly when money comes in and goes out. Spot cash crunches before they happen.

Annual budget template

Plan your year by category. Set targets, track actuals, and see the gap in real time.

Agency rate calculator

Work backward from your target take-home to the rate you actually need to charge — factoring in real utilization, not wishful math.

Premium templates

Advanced tools

More sophisticated models for businesses ready to go deeper on the analysis.

Instant digital downloads — all sales final. See our Terms & Refund Policy.

Premium

12-month rolling forecast

The rolling forecast model corporate teams use, scaled for small business. Updates as you add actuals.

$29
Premium

Break-even analysis

Exactly how much revenue covers your costs — and what it takes to hit profit targets. With sensitivity analysis.

$19
Premium

Loan & lender package

Everything a bank needs: formatted financials, projections, and a summary memo template. SBA-loan ready.

$49
Premium

KPI dashboard

The 10 metrics that matter for your business type — auto-calculated ratios, trend charts, clean executive view.

$39
Ready for more?

Templates are a starting point

When you're ready to stop doing it yourself, SmartScale handles the whole stack — bookkeeping, FP&A, and fractional CFO support.

See the CFO service Book a free call