Free fractional CFO resources

Every free calculator, model, checklist and guide we have built for founders and MDs of growing companies. Runway, covenants, dilution, the five-day close, the six-page board pack. One worked company runs through all of it, every convention is stated, and none of it sits behind an email form. Each section leads with the one worth opening first.

Format

29 resources, all free, no signup

Calculators

Work the number out on the page, then take the Excel version away.

Start hereRunway and Burn CalculatorMonths of cash at your real net burn, measured on the bank account. The demo downside shows 6.8 months flat and 5.6 months honestly, because a growing burn does not stay where the spreadsheet left it.Net burn on the bank account, not the P and LThe growing-burn version, solved properly rather than assumed flatThe downside scenario: largest client gone, costs not yet cutCalculator plus Excel Cash Conversion Cycle CalculatorThe days a pound is tied up between paying for delivery and collecting for it. The demo book runs 52 debtor days against 38 creditor days, and collecting five days faster frees £44,055.Calculator plus Excel Unit Economics CalculatorContribution per client and break-even on your fixed costs. On the demo book the first 32.6 clients of 40 exist to pay the costs, so profit starts at client 33.Calculator plus Excel Customer Concentration RiskA 10.4 per cent client takes 56 per cent of the profit with them, because their revenue leaves and your fixed costs stay. The fall is share times operating leverage, exactly.Calculator plus Excel True Cost of a HireA £60,000 salary runs at £71,250 loaded and £83,250 in year one, which at a 55 per cent margin is a £129,545 revenue target wearing a job title.Calculator plus Excel Operating Leverage CalculatorProfit moves 5.4 times faster than revenue on the demo book, in both directions, and an 18.6 per cent revenue fall wipes profit entirely. Know your multiple before a soft quarter does.Calculator plus Excel Covenant Headroom CalculatorLeverage and interest cover against your facility limits, and the EBITDA floor beneath both. The demo book can fall 80 per cent before the first test breaches, and knowing that number is the point.Calculator plus Excel Dilution and Cap Table Calculator£1,000,000 on £4,000,000 pre-money with a 10 per cent pool leaves founders 70 per cent, and the pool alone is £500,000 of founder value, moved before the round appears to start.Calculator plus Excel Cost of Capital ComparisonThe same £250,000 over three years costs £87,500 as debt and £600,000 as equity at the demo exit. Priced to the same date, which is the only honest way to compare them.Calculator plus Excel Working Capital Release CalculatorFourteen days of terms free £117,048 on the demo book without selling anything, worth £10,534 every year at the facility rate. The cheapest funding round is your own balance sheet.Calculator plus Excel

Workbooks and trackers

Excel files that keep working after you close the tab.

Start hereThree-Statement Financial ModelP and L, balance sheet and cash flow, twelve months across and properly linked, driven from one assumptions sheet.The balance sheet balances by construction, a check row proves it£282,901 of profit becomes £330,048 of cash, itemisedThe conventions stated: whose EBITDA, which tax rate, and whyExcel workbook 13 Week Cash Flow ForecastWeekly receipts and payments with payroll, PAYE, the VAT quarter and rent on their real dates, a seven week collection lag, and an actuals row against forecast every Friday.Excel workbook Rolling 12 Month ForecastEnter actuals as months close and every remaining month re-projects from the latest one, so one soft month reprices the year the day it lands rather than surviving until month eleven.Excel workbook Budget versus Actual with Variance BridgeNot a variance column but a bridge: volume, price, delivery and fixed movements that sum to the gap exactly, each with an owner on it.Excel workbook Scenario and Sensitivity ModelBase, upside and downside computed from one set of drivers, so the cases cannot drift apart. The demo downside is a £5,303 monthly loss, which is what downsides exist to find.Excel workbook Headcount and Capacity PlanHires by month at fully loaded cost. The demo plan of three hires costs £172,562 in year one and needs £32,386 of new monthly revenue by December, which is the line that decides it.Excel workbook Revenue Cohort and Retention ModelA cohort triangle built from two assumptions. £20,100 a month of new revenue at 3 per cent churn tops out at £670,000 a month, and no sales effort changes that ceiling. Retention does.Excel workbook Board Pack TemplateSix pages fed from one numbers sheet: summary, profit against plan, cash, KPIs, risks and asks, with the what-happened, why, what-we-are-doing structure on every page.Excel workbook

Checklists

Printable, timed, and ordered so nothing depends on something later.

Start hereFirst 90 Days ChecklistWhat a fractional CFO actually does in the first three months, written so you can tell whether yours is doing it.The day ten test: a live 13 week cash flow, or a better titleFind the truth, build the machine, point it somewhereThe scorecard: five tests that show the machine is workingChecklist, printable Fundraising Readiness ChecklistTwenty checks before you open a data room: the numbers, the legal spine, the tax file, the story, and the five things that kill rounds late, listed early enough to fix cheaply.Checklist, printable Data Room IndexEvery document a buyer or investor asks for, in eight folders in the order diligence opens them. Gaps reprice deals, so find yours before the other side prices them.Checklist, printable Month-End Close ChecklistA five day close, one layer a day, from bank and cash to the finished pack. A two week close produces numbers nobody can act on, because the month they describe has gone cold.Checklist, printable Audit Readiness ChecklistThe raised thresholds from 6 April 2025, what a first audit actually tests, and the year-before fixes, because the opening balances get audited too.Checklist, printable

Guides and e-books

The longer reads, with worked examples on current rates.

Start hereWhen to Hire a Fractional CFOThe triggers, what the engagement looks like, what it costs and what it does not cover.The triggers, by symptom rather than size£800 to £1,500 a day, two to six days a month, priced honestlyThe interview questions that separate builders from presentersE-book, free Building a Three-Statement ModelHow the statements link, why the balance sheet is the check, and the five errors that break models, each with its tell.E-book, free The Numbers a Board Actually WantsFive numbers open the pack, three lines of commentary go round them, and the meeting starts where the pack stops. Six pages, sent three days early.E-book, free Getting Funding ReadyThe twelve months before a round, in order, from both the lender angle and the investor angle, with the dilution arithmetic worked in full.E-book, free

Look it up

For when you need one word or one answer rather than a tool.

CFO Glossary47 terms from EBITDA to the option pool, searchable, with the definitions that differ between a lender and an investor stated plainly.Reference page Ask a CFO26 questions founders and MDs actually ask, answered the way they would be on a call: the short answer first, then why, then the free tool that does the work.Reference page

Nothing matches that. Clear the search, or set the filter back to All.

Not sure which one you need? Tell us what you are trying to work out and we will point you at the right one, or build it if it does not exist yet. And if you would rather someone built the whole machine with you, that is what we are for.

Talk to us