What is Koala Statements?

Koala Statements is a free AI-powered financial modeling tool that turns a one-sentence business description into a complete, investor-ready 3-statement financial model — income statement, balance sheet, and cash flow — with scenarios and industry benchmarks.

Is Koala Statements free?

Yes. Koala Statements is free for everyone. You can create, edit, and save as many financial models as you need, with no project caps and nothing to pay.

What is a 3-statement financial model?

A 3-statement model links the income statement, balance sheet, and cash flow statement so a change in any assumption flows through all three automatically. Koala Statements builds and integrates all three for you.

Do I need finance experience to build a financial model?

No. Describe your business in plain language and the AI generates the assumptions and model structure for you. You can then edit the numbers, run multiple scenarios, and benchmark the results against your industry.

Legal

Terms of Service

Effective date: June 2026 · Last updated: June 2026

Not financial advice. Koala Statements is a financial modeling tool, not a financial advisor. Nothing produced by this software constitutes investment, legal, tax, or accounting advice. Always consult qualified professionals before making financial decisions.

By accessing or using Koala Statements ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

1. The Service

Koala Statements provides a web-based financial modeling platform that allows users to create, edit, and share 3-statement financial models. Features include an AI-powered model generation assistant, multi-scenario modeling, and investor-ready report export.

2. Accounts

You must provide accurate information when creating an account. You are responsible for maintaining the security of your credentials. You must be 18 years or older to use the Service. We may suspend accounts that violate these Terms.

3. Your content and IP

You retain full ownership of the financial models and data you create. By using the Service you grant us a limited license to store and process that data solely to provide the Service. We do not claim ownership of your work and do not use your model data to train AI systems.

4. Acceptable use

You agree not to:

Use the Service for any unlawful purpose or to violate any regulation
Attempt to reverse-engineer, scrape, or copy the Service
Attempt to gain unauthorized access to other users' data
Send spam or abuse the AI advisor endpoint
Use the Service to create fraudulent financial projections intended to deceive investors

5. Not financial advice

The financial models generated by Koala Statements are illustrative projections based on assumptions you provide. They are tools for planning and exploration, not guaranteed forecasts. We make no representations about the accuracy or completeness of any model output. Nothing in the Service should be construed as investment, financial, legal, or tax advice.

You bear full responsibility for any financial decisions made based on outputs from this tool.

6. AI-generated content

The AI advisor generates suggestions based on your inputs using third-party AI models (Google Gemini). AI-generated content may contain errors, omissions, or unrealistic assumptions. You are responsible for reviewing and validating all AI-generated content before relying on it.

7. Availability and modifications

We provide the Service on an "as is" and "as available" basis. We may modify, suspend, or discontinue any feature at any time with reasonable notice. We will make reasonable efforts to notify you of significant changes via email or in-app notice.

8. Disclaimer of warranties

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or completely secure.

9. Limitation of liability

To the maximum extent permitted by law, Koala Statements will not be liable for indirect, incidental, special, consequential, or punitive damages, including lost profits, arising from your use of the Service. Our total liability for any claim shall not exceed the amount you paid us in the 12 months prior to the claim.

10. Termination

You may close your account at any time. We may terminate or suspend access to the Service for violations of these Terms, with or without notice. Upon termination, your data will be deleted per our Privacy Policy.

11. Governing law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.

12. Changes to these Terms

We may update these Terms from time to time. Continued use of the Service after changes constitutes acceptance. We will notify you of material changes via email or in-app notice at least 14 days in advance.

Questions? Reach us anytime through the contact form on our website.