Does the model balance, and what is it betting on?

Paste the historical income statement, balance sheet and cash flow lines. Your browser reads them and builds a linked projection as you type: the three statements, the historical ratios and every integrity check. All free, before you sign in. Then the desk proposes the drivers from your guidance notes, and reviews the finished model. Every number it writes is checked against the model.

Each example comes with saved replies, so you can see both steps for free.

Company (optional)

Historical statements (line items in rows, years in columns, oldest first)

Drop a .csv, .tsv or .txt export, or a workspace .json saved here, or

Guidance and notes (optional: an outlook statement, a call excerpt, a budget memo)

Drivers (blank = the historical average shown under each box)

Projection years

Revenue growth (%/yr)

or growth by year (%)

Gross margin (%)

Operating expenses (% of revenue)

D&A (% of revenue)

Capex (% of revenue)

Receivable days (DSO)

Inventory days (DIO)

Payable days (DPO)

Other current assets (% of revenue)

Accrued liabilities (% of revenue)

Tax rate (%)

Interest rate on debt (%)

Interest earned on cash (%)

Scheduled debt repayment ($m/yr)

Dividend payout (% of net income)

Share buybacks ($m/yr)

Minimum cash ($m)

Revolver rate (%)

Revolver commitment ($m)

What you want to know (optional)

The model (free, in your browser, no AI)

Pin this case, change a driver, and see what moved.

What the model found

The three statements ($m; shaded columns are projected)

Historical ratios

Integrity checks

Free: no account, no run.

Paste the historical statements to price this step.

Proposed drivers

Driver	Proposed	Now	Basis	Why

Cautions

What the model depends on

Findings

Severity	Area and driver	Issue	Fix

Flags answered

Questions to ask

Reconciliation with the model

Summary

Raw model reply

The reply did not parse as the structured result, so it is shown as it arrived.

Your recent runs

What this does, and what it does not

The model is plain arithmetic, laid out the way a three-statement template is. Revenue grows by the driver. Cost of goods sold follows the gross margin, operating expenses and D&A are shares of revenue. Interest is charged on each balance at the start of the year, which avoids a circular reference. Receivables, inventory and payables follow their days; other working capital lines are shares of revenue. PP&E rolls forward with capex less D&A. Cash from operations is net income plus D&A less the working capital build. After capex, scheduled debt repayment, dividends and buybacks, cash is the balancing item: if it would fall below the minimum, the revolver is drawn, and any excess repays the revolver first. Every year it checks that assets equal liabilities plus equity, that cash on the cash flow statement ties to the balance sheet, and that equity and PP&E roll forward.

It does not model acquisitions, new debt issuance, leases, stock compensation, deferred taxes, loss carryforwards or quarterly timing, and other long-term assets and liabilities are held flat. The two paid steps propose and explain; they do not tell anyone to invest. Derived from the agent skill @anthropics/3-statement-model (anthropics/financial-services-plugins, Apache-2.0). The example companies are fictional.