Your idea is brilliant. Your Excel business plan is probably wrong.
Don’t let a #DIV/0! cell kill your project. Map out your business model, build a visual, reliable financial forecast, and walk into the bank with numbers you actually understand.
Free, no credit card required.
Plan · SaaS startup
€ · quarterly
| Line | Type | Trend | Q1 27 | Q2 27 | Q3 27 | Q4 27 | Q1 28 | Q2 28 | Q3 28 | Q4 28 |
|---|---|---|---|---|---|---|---|---|---|---|
| Free Free users | 792 | 1,743 | 2,883 | 4,251 | 5,895 | 7,863 | 10,227 | 13,062 | ||
| Pro Pro users | 90 | 198 | 327 | 483 | 669 | 894 | 1,164 | 1,488 | ||
| 15,984 | 33,198 | 51,237 | 75,039 | 102,849 | 136,167 | 178,299 | 228,135 | |||
| Subscriptions | 8,784 | 23,598 | 41,637 | 63,039 | 88,449 | 119,367 | 156,699 | 201,735 | ||
| Services | 7,200 | 9,600 | 9,600 | 12,000 | 14,400 | 16,800 | 21,600 | 26,400 | ||
| 3 | 4 | 4 | 4 | 5 | 5 | 6 | 6 | |||
| Headcount | 3 | 4 | 4 | 4 | 5 | 5 | 6 | 6 | ||
| 52,632 | 63,364 | 69,246 | 70,302 | 89,562 | 91,086 | 107,922 | 110,130 | |||
| Salaries | 45,000 | 55,000 | 60,000 | 60,000 | 75,000 | 75,000 | 90,000 | 90,000 | ||
| Cloud Servers and cloud | 1,632 | 2,364 | 3,246 | 4,302 | 5,562 | 7,086 | 8,922 | 11,130 | ||
| Marketing | 6,000 | 6,000 | 6,000 | 6,000 | 9,000 | 9,000 | 9,000 | 9,000 | ||
| EBITDA | −36,648 | −30,166 | −18,009 | 4,737 | 13,287 | 45,081 | 70,377 | 118,005 |
Illustrative example · Try it: collapse or expand a group
Starting from a blank page is building without a plan.
- 1,165,800
- new businesses launched in France in 2025: an all-time record
- Insee, 2026
- Nearly 1 in 3
- French companies founded in 2018 were gone before their fifth birthday
- Insee, 2025
- +25%
- higher risk of failure when clients pay late
- Banque de France, 2025
Let’s be honest: costs get underestimated, sales get overestimated, and at the first setback the wall closes in fast. The numbers on new businesses are unforgiving.
A visual financial forecast, not a maze of cells
Software designed for starting a business: you make the decisions, BeretPlan structures your numbers and keeps your calculations safe.
Start from a first outline, not a blank page
Describe your business (SaaS, e-commerce, services…) and the AI assistant drafts a first outline of your budget. Then swap its assumptions for your own: the structure, the formulas and the right questions are already there.
- An AI-drafted first outline: keep the structure, change the amounts
- Every assumption (price, salary, payroll rate) is a named variable: change it once and the whole plan recalculates
- Formulas displayed in plain language: no #REF!, no cell silently overwritten
AI Plan Assistant
Review your business profileReview your plan structureReview and customize
Bakery / Patisserie
Plan for a new artisan bakery, with counter sales in the morning and a lunch service. Raw materials estimated by the founder at 30% of sales.
Plan Structure
- Business model
- Opening days (per month)
- Morning customers (per day)
- Lunch customers (per day)
- Revenue
- Morning sales (bread, pastries)
- Lunch sales (sandwiches, meals)
- Cost of raw materials
- Operating costs
- Gross salaries
Key Variables
Average tickets (2)
Raw materials (1)
If the structure looks right, we'll add formulas automatically. You can adjust variable values in the next step.
Bakery / Patisserie
Key Variables
Average tickets
Raw materials
Illustrative example · Try it: step through the assistant
Income statement · 2027
| Line | Type | Q1 27 | Q2 27 | Q3 27 | Q4 27 |
|---|---|---|---|---|---|
| Revenue | €15,984 | €33,198 | €51,237 | €75,039 | |
| Subscriptions | €8,784 | €23,598 | €41,637 | €63,039 | |
| Services | €7,200 | €9,600 | €9,600 | €12,000 | |
| Expenses | €52,632 | €63,364 | €69,246 | €70,302 | |
| Salaries | €45,000 | €55,000 | €60,000 | €60,000 | |
| Marketing | €6,000 | €6,000 | €6,000 | €6,000 | |
| Cloud Servers and cloud | €1,632 | €2,364 | €3,246 | €4,302 | |
| EBITDA | −€36,648 | −€30,166 | −€18,009 | €4,737 | |
| Depreciation | €1,500 | €1,500 | €1,500 | €1,500 | |
| Pre-tax Pre-tax income | −€38,148 | −€31,666 | −€19,509 | €3,237 | |
| Corporate tax | €0 | €0 | €0 | €1,133 | |
| Net income | −€38,148 | −€31,666 | −€19,509 | €2,104 |
Illustrative example · Try it: change the Pro price
Numbers your banker will recognise
Your plan automatically generates a standards-compliant income statement and dashboards ready to present. An assumption changes the night before the meeting? Everything follows, no copy-paste.
- Income statement (revenue, expenses, EBITDA…) generated and always in sync with your plan
- The AI assistant suggests budget lines and writes your formulas, validated by the calculation engine before insertion
- Soon Automatic cash-flow plan, to spot the tight months before they arrive.
Even the best-funded fall without visibility
Raised capital is no substitute for clarity: when the gap between real spending and real revenue drifts away from the plan and nobody spots it in time, even the best-funded champions go under.
At your scale, the lesson is the same: a business plan isn’t a document you write once for the bank: it’s a dashboard you check against reality every month. BeretPlan is built for exactly that, and our business plan guide walks you through it step by step.
Actuals · SaaS
Months validated: 3 / 6 4 / 6 5 / 6 6 / 6
| Line | Type | Jan 27 | Feb 27 | Mar 27 | Apr 27 | May 27 | Jun 27 |
|---|---|---|---|---|---|---|---|
| Revenue | €3,806 ▼ | €5,983 ▲ | €6,432 ▼ | €8,696 ▼ | €10,902 ▼ | €11,322 ▼ | |
| Subscriptions | €1,406 −4.0% ▼ | €2,783 −5.0% ▼ | €4,032 −8.2% ▼ | €5,496 −10.3% ▼ | €6,902 −12.3% ▼ | €8,122 −15.4% ▼ | |
| Services | €2,400 | €3,200 +33.3% ▲ | €2,400 | €3,200 | €4,000 +25.0% ▲ | €3,200 | |
| Expenses | €17,430 ▼ | €17,650 ▲ | €17,540 ▼ | €18,030 ▲ | €23,120 ▲ | €23,240 ▲ | |
| Salaries | €15,000 | €15,000 | €15,000 | €15,000 | €20,000 | €20,000 | |
| Marketing | €1,950 −2.5% ▼ | €2,100 +5.0% ▲ | €1,900 −5.0% ▼ | €2,050 +2.5% ▲ | €2,000 | €1,980 −1.0% ▼ | |
| Cloud Servers and cloud | €480 +1.7% ▲ | €550 +1.1% ▲ | €640 +3.9% ▲ | €980 +39.6% ▲ | €1,120 +42.1% ▲ | €1,260 +44.2% ▲ |
Illustrative example · Try it: validate the next month
In late 2025, one of France’s best-funded industrial agtech startups (more than €600 million raised) was placed into court-ordered liquidation.
(Source: Le Journal des Entreprises, 2025)
Nobody steers your business model for you. Not funding rounds, not press coverage: only your own numbers, checked against reality.
Founders’ questions, answered straight
Will this be enough to convince my bank?
BeretPlan generates a standards-compliant income statement (revenue, expenses, EBITDA…) and dashboards that always stay in sync with your assumptions. Above all, every formula is displayed in plain language: when someone asks “where does this number come from?”, you show the calculation instead of stumbling. The decision still belongs to the banker, but you walk in with a plan you can defend line by line.
I’m starting from scratch, with zero finance background. Is this for me?
Yes, BeretPlan is built for non-financial leaders. You describe your business (SaaS, e-commerce, services…) and the AI assistant drafts a first outline: it suggests budget lines, writes the formulas and has them validated by the calculation engine before insertion. You always stay in control.
How long does a full financial forecast take?
Plan for one afternoon, not three weekends: our goal is a complete budget in under 2 hours. The AI assistant drafts a first outline, you adjust your assumptions, and the income statement and dashboards generate themselves, then stay up to date with every change you make.
Your idea deserves better than a spreadsheet.
An AI-drafted first outline, your assumptions, a forecast you can defend. Get started this afternoon.
Free, no credit card required