Financial models: P&L, cash flow and DCF

Finances > Overview > Models builds three models (on the Business plan):

• P&L for any period: a month, a quarter, a year or to date.
• Cash flow, direct and indirect. Equipment counts as investing; financing is only what you enter.
• DCF: a free cash flow forecast from up to 24 months of history or stated assumptions, a discount rate or WACC, a terminal value by growth or an exit multiple, NPV and a sensitivity table.

Saving and refreshing

• Save a model as a live grid (Model, Assumptions and Data tabs with real formulas, NPV included), a Pages document and a deck, in any combination.
• Refresh rewrites the Data tab, never your Assumptions, and rebuilds the document and deck.
• Commentary is one AI draft per press, kept until the figures change. A paragraph naming a figure that is not in the model is dropped. It uses your workspace's AI credits.
• Saved copies leave labour cost out so they can be shared. A private project's money is never included, only counted.