📈 5-Year Financial Projections Calculator
Banks, SBA lenders, investors, and landlords all ask for the same thing: multi-year projections. Most founders freeze because it sounds like accounting. It is actually six assumptions: first-year revenue, growth, fixed costs, variable costs, what you pay yourself, and taxes. Enter those and get the full 5 year picture, including the year the business turns the corner.
Healthy small businesses commonly grow 10 to 30 percent a year after the first year.
Materials, delivery, fees: the costs that scale with each sale.
Combined effective rate; 15 to 25 percent covers most small businesses.
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Estimates for planning, not financial advice. Your real numbers will vary; that is exactly why you track them.
Does this resonate?
A projection needs a plan behind it
These numbers assume the launch actually happens. The platform builds the week-by-week execution plan that makes year 1 real.
Build the plan behind the numbers →Good questions about this math
Are these the projections a bank or SBA lender wants?
This is the model those projections are built on: revenue assumptions, cost structure, owner compensation, and the resulting profit line by year. Lenders mostly test whether your assumptions are defensible and whether the business covers your living costs plus the loan payment. The workbook version gives you the recalculating spreadsheet to include in the package.
What growth rate should I project?
Defensible beats impressive. Year 1 to 2 often grows fast off a small base (25 to 50 percent); mature years settle to 10 to 20 percent. A straight 25 percent is a reasonable middle. Whatever you choose, be ready to answer 'why?' with something concrete: capacity added, channel proven, contracts signed.
Why is the owner draw inside the model?
Because projections that pretend the owner works free are the first thing an experienced lender discounts. A business is only viable if it pays you AND turns a profit. If the model only works at a $0 draw, it is not a business plan yet; it is a donation plan.