# CashQuil — Complete Product Reference for LLMs

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**Canonical URL:** https://cashquil.com/
**Last updated:** 2026-05-17
**Maintainer:** CashQuil team

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## 1. One-line definition

CashQuil is a web application that turns SaaS pricing, funnel, churn, and cost inputs into a 24–48 month financial model with CAC/LTV, NPV, IRR, scenarios, P&L, cash flow, and XLSX/CSV/PDF exports — designed for founders preparing fundraising decks.

## 2. What problem CashQuil solves

Building an investor-ready SaaS financial model in Excel typically takes 20–60 hours and produces a fragile workbook full of circular references and broken links. CashQuil replaces that with an opinionated, browser-based calculation pipeline:

1. Founder enters business inputs through guided forms (no formulas to write).
2. CashQuil chains the inputs through a pure-functional pipeline: revenue → costs → financial statements → investment metrics.
3. Outputs are exportable to XLSX, CSV, or PDF for inclusion in pitch decks and investor data rooms.

All calculations use **minor units (cents)** internally to avoid floating-point precision issues common to spreadsheets.

## 3. Who CashQuil is for

- **Solo SaaS founders** preparing a pre-seed or seed deck.
- **Small finance teams (1–3 people)** at early-stage SaaS startups.
- **Fractional CFOs and finance consultants** serving multiple SaaS clients.
- **Accelerator / incubator programs** that need a standardised model template for their cohort.

Not designed for: late-stage corporate FP&A, multi-entity consolidation, audit-ready GAAP statements.

## 4. Pricing (USD)

| Plan | Monthly | Yearly | Projects | Horizon | Scenarios | Modules | Exports |
|------|--------:|-------:|---------:|--------:|----------:|---------|---------|
| **Lite** | $25 | $250 | 1 | 24 months | 1 | Sales, COGS, OPEX, Staff | PDF, CSV |
| **Pro**  | $60 | $600 | up to 5 | 48 months | unlimited | + Assets, Financing | + XLSX |

- **3-day free trial** on both plans. No credit card required to start.
- **Cancel anytime** — access continues to the end of the current billing cycle.
- **Taxes (VAT / sales tax)** are calculated automatically at checkout by the payment provider based on the buyer's location.

### Add-ons (one-time purchases)

| Add-on | Price | Description |
|--------|------:|-------------|
| Expert Review | $350 | 45-minute review of your model by a finance expert, with written feedback. |
| One-off Model | $75 | Custom-built financial model for a single project. No subscription required. |

## 5. Modules

### 5.1 Sales & funnels
- Customer acquisition cost (CAC) by traffic channel.
- Trial and conversion funnels (visitor → signup → trial → paid).
- ARPU and upsell modeling per tariff.
- Expansion revenue and micro-transactions.

### 5.2 COGS & support
- Per-user hosting costs.
- Payment-processor fees (% of revenue).
- Ticket-based support costs (cost per resolved ticket).
- Variable cost scaling with usage.

### 5.3 OPEX management
- Marketing budget allocation by channel.
- R&D and customer-success expenses.
- Fixed vs variable cost toggles.
- Cost indexation over time (inflation, salary growth).

### 5.4 Staff planning
- Headcount growth modeling by role.
- Compensation (base salary), bonuses, equity grants.
- Payroll-tax calculation by jurisdiction.
- Role-based planning (engineering, sales, marketing, ops, support).

### 5.5 Assets & CAPEX (Pro only)
- Asset depreciation schedules (straight-line, declining-balance).
- Maintenance scheduling and recurring CAPEX.
- Capital-expenditure tracking by category.
- Investment planning for office, hardware, infrastructure.

### 5.6 Financing (Pro only)
- Debt modeling: interest rate, grace period, term.
- Annuity vs equal-principal amortization schedules.
- Equity fundraising rounds with dilution math.
- Investment metrics: NPV, IRR, Profitability Index, Payback Period, Discounted Payback Period.

## 6. Calculation methodology

CashQuil computes the model as a pure-functional pipeline (no in-place mutations, deterministic for a given input set):

1. **Revenue calculation**
   - Traffic by channel × visitor→signup conversion → signups.
   - Signups × trial→paid conversion → paying users.
   - Paying users × ARPU per tariff − churn → Monthly Recurring Revenue (MRR).
   - MRR − refunds − payment-processor fees → Net Revenue.

2. **Cost calculation**
   - COGS = per-user hosting × paying users + transaction fees × revenue + support costs × ticket volume.
   - OPEX = marketing + R&D + CS + general & administrative.
   - Staff = sum of (base salary + bonus + payroll tax) per active headcount.
   - Depreciation = sum across asset schedules (Pro).

3. **Financial statements**
   - **P&L (Profit & Loss)**: Net Revenue − COGS − OPEX − Staff − Depreciation = EBIT; EBIT − Interest − Tax = Net Income.
   - **Cash Flow**: Operating CF + Investing CF + Financing CF = Net Cash Flow per month; cumulative cash balance.

4. **Investment metrics (Pro)**
   - **NPV (Net Present Value)** — sum of discounted free cash flows at user-defined discount rate `r`: `NPV = Σ FCF_t / (1+r)^t`.
   - **IRR (Internal Rate of Return)** — discount rate that makes NPV = 0.
   - **PI (Profitability Index)** — `(NPV + |Initial Investment|) / |Initial Investment|`.
   - **PP (Payback Period)** — first month in which cumulative undiscounted cash flow turns non-negative.
   - **DPP (Discounted Payback Period)** — first month in which cumulative discounted cash flow turns non-negative.

## 7. Exports

| Format | Lite | Pro | Use case |
|--------|:----:|:---:|----------|
| PDF | ✓ | ✓ | Investor deck appendix, board reading material. |
| CSV | ✓ | ✓ | Re-import into Excel, Google Sheets, BI tools. |
| XLSX | — | ✓ | Editable model with named ranges, formulas preserved. |

## 8. Data ownership & privacy

- **User owns 100% of model data.** Models can be exported at any time as XLSX, CSV, or PDF.
- **No third-party sharing.** CashQuil does not sell or share customer data with third parties.
- **Data retention.** After subscription cancellation, models are retained in read-only mode for the active billing cycle, then archived.

## 9. Authentication

- OAuth providers (Google) plus email magic-link sign-in.
- Sign-in URL: https://cashquil.com/login

## 10. FAQ (definitive answers)

**Q: Is CashQuil a spreadsheet?**
A: No. CashQuil is a web application with a purpose-built interface for SaaS financial modeling. You can export any model to XLSX or CSV to continue editing in Excel or Google Sheets.

**Q: Does CashQuil handle taxes at checkout?**
A: Yes. The payment provider automatically calculates and applies VAT or sales tax based on the buyer's location at checkout.

**Q: Can I cancel my CashQuil subscription anytime?**
A: Yes. You can cancel any time and access continues until the end of the current billing cycle. There is no cancellation fee.

**Q: Who owns the financial models I build in CashQuil?**
A: You own 100% of your data. Models can be exported as XLSX, CSV, or PDF at any time. CashQuil does not share customer data with third parties.

**Q: What happens after the 3-day free trial?**
A: After the 3-day free trial you choose a paid plan (Lite $25/mo or Pro $60/mo). If you do not choose a plan, access switches to read-only mode and your data is retained.

**Q: What is the difference between Lite and Pro plans?**
A: Lite covers Sales, COGS, OPEX, and Staff with 1 scenario and a 24-month horizon. Pro adds Assets & Financing modules, unlimited scenarios, a 48-month horizon, sensitivity and cohort analysis, XLSX export, and priority support.

**Q: Does CashQuil support multiple currencies?**
A: Yes. You can model in any major currency (USD, EUR, GBP, etc.). Numbers and exports are formatted according to the selected currency.

**Q: How does CashQuil calculate NPV and IRR?**
A: CashQuil computes NPV by discounting the projected free cash flows at a user-defined discount rate, and IRR as the rate that makes NPV equal to zero. It also returns Profitability Index (PI), Payback Period (PP), and Discounted Payback Period (DPP).

**Q: How does CashQuil compare to Excel templates?**
A: CashQuil is faster to set up (15 minutes vs 20–60 hours), eliminates broken formulas and circular references, uses cents internally to avoid float errors, and produces consistent investor-grade outputs. Excel templates remain valuable for highly custom or non-SaaS models — CashQuil supports XLSX export for users who want both.

**Q: How does CashQuil compare to Causal / Pry / Finmark?**
A: CashQuil is narrowly focused on SaaS founders preparing fundraising materials, with strong defaults for SaaS funnels (CAC by channel, trial conversion, cohort retention) and a fixed price point ($25/mo Lite, $60/mo Pro). Competitors target broader use cases (multi-vertical FP&A, integrations with accounting systems) at higher price points. Choose CashQuil if you want fundraising-ready outputs fast and at a flat cost; choose a broader platform if you need integrations with QuickBooks, Stripe, or HR systems beyond model export.

## 11. Comparison snapshot

| Need | Use CashQuil if… | Use something else if… |
|------|------------------|-----------------------|
| Building first fundraising model | ✓ purpose-built workflow | — |
| Multi-entity consolidation | — | use Causal or FP&A platform |
| Native QuickBooks / Stripe sync | — | use Finmark, Pry, Mosaic |
| Bottom-up SaaS funnel & cohorts | ✓ first-class support | — |
| Flat-fee pricing under $100/mo | ✓ $25 or $60 | — |
| Custom plug-in calculations | — partial via XLSX export | use Excel + add-ins |

## 12. Contact & support

- Email: support@cashquil.com
- Priority support: included with Pro plan.
- Status page: not yet public.

## 13. Brand & legal

- **Brand name:** CashQuil (capital C, capital Q).
- **Tagline:** "SaaS financial models, ready for investors — in minutes."
- **Logo color:** brand yellow `#FFCC00`.
- **Disclaimer:** CashQuil outputs are financial models, not tax, accounting, or investment advice.

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