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.
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.
Advanced tools (Coming Soon)
More sophisticated models for businesses ready to go deeper on the analysis.
Instant digital downloads — all sales final. See our Terms & Refund Policy.
12-month rolling forecast
Blend actuals with forecast as each month closes. Scenario comparison, seasonality, cash runway, and a lender-ready dashboard.
Break-even analysis
Find the revenue that covers your costs — including paying yourself. Owner comp and tax cushion built in, plus two sensitivity matrices.
Loan & lender package
Sixteen tabs a lender can read straight through: three-statement model, DSCR with stress testing, sources and uses, and a document checklist.
KPI dashboard
Ten metrics for agencies and professional services, tracked over twelve months. Alerts when something drifts, and the lever that fixes it.
Client profitability tracker
Log hours, revenue, and direct costs by client, and see who's actually profitable. Ranks every client by margin and flags concentration risk.
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