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Finally understand your
financial statements.

Koala builds a fully-linked income statement, balance sheet, and cash flow in under 60 seconds. Then it explains every line in plain English.

Under 60 seconds to first model
Every line explained
No credit card
Acme Corp · Financial Model · FY 2025-2026
BaseOptimisticStress
Income Statement
Cash Flow
Balance Sheet
Analytics
ARR
$7.85M
↑18.2%
EBITDA Margin
17.1%
↑3.0 pp
Net Income
$891K
↑24.7%
Cash Runway
34 mo
Healthy
Revenue & Net Income · H1 2025
RevenueNet Income
JanFebMarAprMayJun
Line item
Q1 25
Q2 25
Q3 25
Q4 25
Revenue
$840K
$920K
$1,050K
$1,180K
Cost of Revenue
($336K)
($368K)
($420K)
($472K)
Gross Profit
$504K
$552K
$630K
$708K
Operating Expenses
($399K)
($414K)
($459K)
($498K)
EBITDA
$105K
$138K
$171K
$210K
Net Income
$92K
$128K
$158K
$201K
AI"|"Ask AI →
< 0s
From description to first model
0
Live scenarios per model
0+
Industry benchmarks built in
0%
Statements auto-linked
Export to Excel
Download any model as a fully formatted spreadsheet: every statement and period, in one click.
Import your numbers
Export a CSV from Excel, Google Sheets, or your accounting tool and Koala builds an editable model around it.
Share a live link
Send investors an interactive report they can explore themselves, not a dead PDF or email attachment.

Everything the big tools do,
plus the things they can't.

Legacy reporting platforms work only after you have historical data. Koala lets you build, project, and stress-test from day one.

“B2B SaaS, $30K MRR, 18mo runway”
↓ AI extracts
Revenue growth 8.5%/moGross margin 72%Opex ratio 41%

AI-Driven Assumption Engine

Exclusive

Describe your business in plain English. Our AI generates a validated, sector-calibrated 3-statement model with realistic assumptions. No spreadsheet, no accounting data required.

OptimisticBaseStress

Dynamic Multi-Scenario Architecture

Base, Optimistic, and Stress scenarios run simultaneously and stay fully linked. Pressure-test your downside without rebuilding: toggle and compare in real time.

AI“What if headcount grows 30% in Q3?”
Opex
+$42K
Net Income
-$18K
Cash runway
-3 mo

Conversational What-If Analysis

Exclusive

"What if we expand headcount 30% in Q3?" The AI proposes exact line-item changes with a diff preview. Apply or discard, with full undo history included.

Income Statement$201K
Cash Flow$201K
Balance Sheet$201K

Automated 3-Statement Integration

Every assumption flows automatically through Income Statement → Cash Flow → Balance Sheet. No manual reconciliation, no broken links, no version chaos.

koala.app/r/acme-fy26

Investor-Ready Live Reports

Exclusive

Share a live, interactive report, not a dead PDF. Your investors and board explore the numbers themselves, drilldown and all. One-click pitch one-pager included.

Your gross margin72%
Industry median64%

Institutional Benchmarking

Compare your margins, growth rates, and unit economics against sector data across 17+ industries. Anchor your plan in reality before walking into the boardroom.

From a sentence to an investor-ready model.

1

Describe your business

Type one sentence: "B2B SaaS, $30K MRR, targeting $5M ARR, 18-month runway." Koala reads your sector, stage, and scale automatically.

2

Model builds itself

A fully-linked Income Statement, Cash Flow, and Balance Sheet, seeded with sector-calibrated assumptions and three live scenarios, in under 60 seconds.

3

Refine, share, raise

Adjust any assumption, run what-if scenarios with the AI advisor, then share a live interactive report directly with your investors or board.

Free learning library

Never read a balance sheet? Start here.

A plain-English library that turns the three financial statements from intimidating to obvious. No jargon, no accounting degree, no cost.

100% free

Free for everyone.

No plans, no paywalls, no credit card. Every feature is unlocked from the start.

Every feature unlocked

AI model generation, multi-scenario analysis, industry benchmarks, and live investor reports, all included.

Unlimited models

Create, edit, and save as many financial models as you need. No project caps, no limits.

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Your investors expect
institutional quality.

Build your first 3-statement model in under 60 seconds. No spreadsheet, no finance degree, no credit card.

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