You really need to get your hands dirty with the numbers. Sometimes a template prevents that. So I prefer to roll my own in a spreadsheet. It's really just asking yourself and your team questions about how much you need/want to spend for different things and what you expect to get for that expense. More on reddit.com

Yes, what you're describing sounds like a basic business financial projection or forecasting model. Here are a few options that could work for your needs: Google Sheets template - There are many free templates available that you can set up yourself in Google Sheets. You can input revenue, expenses, hire costs, etc. and have it calculate profit/loss and cash flow milestones. Business Model Canvas - A free template often used for startups that lets you map out key elements like costs, revenue streams, resources needed, partnerships - can help plan growth milestones. Simple Plan Pro - Online accounting software with basic forecasting tools built-in. Lets you model revenue and plan projected hires/expenses against profit targets. Excel business templates - Sites like BizTree.com offer downloadable Excel projection templates to model scenarios like profit break-even points for hiring. QuickBooks projections - The self-employed version of QuickBooks has basic profit/loss and cash flow forecasting capabilities built-in. The key is finding a simple template you can easily update as your business grows. A spreadsheet/template approach is likely sufficient at your early stages versus more robust commercial forecasting software. More on reddit.com

First thing I recommend doing is auditing one month of expenses and compare to your income. I made a spreadsheet to help, or you can do with pen and paper. The goal is to go through all accounts to capture every expense! spreadsheet More on reddit.com

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