BALANCECHEAT / Three-Statement Model
Three statements. One connected model.
Model performance, financial position and cash together. Use a free, integrated three-statement financial model online and follow how an assumption moves through all three statements.
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Open the full financial model →What is a three-statement model?
A three-statement model connects the Income Statement, Balance Sheet and Cash Flow Statement in one financial forecast. The Income Statement measures revenue, expenses and profit over a period. The Balance Sheet records assets, liabilities and equity at a point in time. The Cash Flow Statement explains the change in cash between those points.
Each statement answers a different question. Is the business earning money? What resources does it use, and what does it owe? Where does its cash come from and go? An integrated financial model keeps those answers connected, so a change in one part of the forecast has consistent consequences elsewhere.
Why the statements need to be connected
Consider a business that expects strong sales growth. Higher revenue may increase profit, but customers might pay after the sale is recorded. The resulting receivables appear on the Balance Sheet and can absorb operating cash. Profitability and liquidity therefore need to be examined together, especially when a business is growing.
Investment creates another connection: buying equipment reduces cash and adds an asset, while depreciation affects earnings over time. Borrowing adds cash and debt, and interest reduces profit. These are different financial effects of the same business decisions. A connected model lets you trace them rather than treating profit, assets and cash as separate forecasts that happen to share a set of dates.
Build and explore instead of downloading a template
BalanceCheat is a working three-statement financial model in the browser. The preview above gives you a first look at the statements; opening the full model lets you change assumptions and inspect their effects. You can begin immediately without downloading an Excel template, arranging a demo or creating an account.
Use the model to investigate a concrete question. What happens to cash if sales increase but customers pay later? How does an investment change the balance between operating cash and funding needs? Revising an input and following the statements can help you understand the mechanics behind the forecast, as well as the final result.
Start with straightforward assumptions; add detail where it matters
A useful integrated model does not require every forecast line to be built at the same level of detail. Simple assumptions can establish a coherent starting point. You can then examine the positions that matter most to the business, whether that is a revenue stream, a cost base or an investment requirement.
BalanceCheat supports quick assumption-driven forecasts and more detailed modeling inside the complete connected model. Keep the assumptions understandable and compare changes across all three statements. Saved models stay locally in your browser, with file export available for a portable copy. This makes it practical to return to a plan and revise it without rebuilding the relationships between the statements.
Your model stays with you
Your model data is stored locally in your browser, not on our servers.
Start immediately, without a demo call. BalanceCheat is actively developed.