Three-Statement Model Builder
Builds a fully linked income statement, balance sheet, and cash flow model from your assumptions.
by AgentVoltv1.0.0Published 1y ago2 installs
Free to sign up · every skill included with AgentVolt Pro
Before & after
Same prompt, same agent — the only difference is the skill.
Prompt“Build a 5-year financial model for our startup.”
Beforegeneric AI agent
Building a three-statement financial model is a great way to project your financial future. I can walk you through what goes into the income statement, balance sheet, and cash flow statement, and explain how they connect. Once you give me your assumptions about revenue, operating expenses, and growth rates, I can help you set up the structure. What's your current revenue run rate and what expenses do you have?
Afterwith Three-Statement Model Builder
FINANCIAL MODEL: 5-YEAR FORECAST MODEL STRUCTURE Linked three-statement model with automatic cross-flows: • Income Statement (P&L) → Balance Sheet → Cash Flow • Formula validation: Assets = Liabilities + Equity • Circular reference check on loan interest and debt service KEY ASSUMPTIONS Revenue Drivers: Year 1: $800k (current run rate) Annual growth: 50% years 1-2, 35% years 3-4, 25% year 5 Customer growth: 20% annual (year 1-3), 15% (years 4-5) Average revenue per account: $12k (grows 5% annually) Operating Expenses: Headcount: 8 people year 1, scaling to 22 by year 5 Payroll growth: 8% annual (raises + new hires) Fixed costs: Rent $4k/mo, tools $2k/mo, insurance $1.5k/mo Variable costs (COGS): 18% of revenue Cash Assumptions: Capital expenditure: $20k year 1, $15k years 2-5 (equipment) Working capital: 30-day payable period, 10-day receivables Tax rate: 21% (federal corporate) PROJECTED FINANCIALS (Year 5) Revenue: $4.82M Gross Profit: $3.95M (81.9% margin) Operating Expenses: $2.80M Net Income: $1.15M (23.8% margin) Cash Position: $3.22M (accumulated) RISK FACTORS Cash flow tightest in year 2 (heavy hiring) Cash balance low point: $180k (month 18) Mitigation: Plan raise of $500k before month 12 CRITICAL METRICS TRACKED Burn rate (if needed): Calculated monthly Cash runway: 28 months at current burn Customer payback period: 11 months (improving to 6 by year 5) Debt service coverage: Positive from year 2 onward BUILT-IN CHECKS • Balance sheet balances formula for all 60 months • Interest calculations auto-flow to P&L and cash flow • Depreciation schedules linked across statements • Quarterly variance analysis template included DELIVERABLE: Google Sheets template + instruction guide MODIFICABLE ASSUMPTIONS: Revenue growth, headcount plan, expenses by category FORMULA TRANSPARENCY: Every cell shows calculation
About this skill
name: three-statement-model description: Use when Builds a fully linked income statement, balance sheet, and cash flow model from your assumptions.
Three-Statement Model Builder
An AgentVolt-original skill that constructs an integrated three-statement financial model, wiring the P&L, balance sheet, and cash flow together so changes flow through automatically, with checks that the balance sheet balances.
What you get
- A structured model spec plus a ready-to-fill spreadsheet layout and formula map.
Customize your output
- Adapt the assumptions, chart of accounts, and formatting to your company
- combine with other AgentVolt finance skills.
Example output
A linked 3-statement model for a sample company with driver-based assumptions.
Best for
Founders, FP&A analysts, and finance teams.
SKILL.md preview
SKILL.md
---
name: three-statement-model
description: Use this skill when a user needs a fully linked income statement, balance sheet, and cash flow model built from financial assumptions, wired so changes flow through automatically.
version: 1.0.0
category: Finance / Modeling
author: AgentVolt
license: proprietary
tags:
- finance
- modeling
- flagship
---
# Three-Statement Model Builder
Constructs an integrated three-statement model — P&L, balance sheet, cash flow linked together — so one assumption change propagates correctly and the balance sheet still balances.
## When to use
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