A financial model is a set of assumptions joined by formulas. Both halves matter. Formulas that are typed-in numbers break the first time you change an input, and assumptions with no source are guesses that are hard to defend to an investor or a board.
Rixx builds both halves. It researches the assumptions, cites each one, and builds the model in Excel with live formulas. Then it recalculates the workbook and checks it before handing it back.
What a Rixx financial model contains
- An inputs tab. Every assumption in one place, colour-coded, with a source link next to each researched figure and a note for each one you supplied.
- Calculation tabs. Revenue build, headcount plan, operating costs and cash flow, all driven by formulas that refer back to the inputs.
- Outputs. Summary P&L, burn, runway, key metrics and charts on a dashboard tab.
- Scenarios. Base, upside and downside cases controlled from the inputs tab, so you can flip between them.
- Checks. Totals that reconcile, a balance sheet that balances in three-statement models, and no formula errors or broken references.
The file opens in Excel, Google Sheets and Numbers.
A three-statement model you can check
For a full three-statement model, Rixx links the income statement, balance sheet and cash flow statement, so net income flows to retained earnings and cash on the balance sheet matches the cash flow. It adds a check row that shows whether the balance sheet balances in every period.
You can follow any number back to its inputs with Excel's own trace tools, because every derived figure is a formula.
Where the assumptions come from
Assumptions are the part of a model people question most. Rixx researches them on the live web and records the source for each one:
| Assumption | Where Rixx looks |
|---|---|
| Market size and growth | Industry reports, official statistics, public company filings |
| Pricing | Competitors' published pricing pages |
| Salaries and hiring costs | Published salary surveys and job-market data for the location |
| Churn, CAC and margins | Published benchmarks for the business model and segment |
| Rent, tools and overheads | Published price lists and regional data |
Where the evidence is thin or sources disagree, Rixx says so in the notes and shows the range, so you can choose the figure you are comfortable defending.
Your own numbers always win. Tell Rixx your actual price, team or costs, or attach your actuals, and it uses those, marking them as your inputs.
Worked example: a seed-stage SaaS model
Ask for "a 3-year model for a B2B SaaS startup selling scheduling software to US dental clinics".
- Rixx asks a few quick questions: starting cash, pricing if you have it, and whether you want monthly or quarterly periods.
- It researches the number of dental clinics in the US, typical software spend, published churn and CAC benchmarks for SMB SaaS, and engineering and sales salaries, recording a source for each.
- It builds the revenue build from those inputs: clinics reached, conversion, seats, price and churn.
- It adds the hiring plan, operating costs, burn and runway, with three scenarios.
- It recalculates the workbook, checks for errors and returns it with a chart of cash over time and a short memo listing the ten assumptions that move runway most.
Ask for changes in the same chat, such as "hire the second engineer three months later" or "add an annual plan with a 15% discount", and you get an updated file.
From model to deck
A model usually ends up in a pitch or a board pack. Ask Rixx to turn the outputs into an editable PowerPoint with native charts of revenue, burn and runway, and the assumptions summarised with their sources. See the AI presentation maker for decks.
Need a simpler researched table rather than a model? Use the AI spreadsheet generator. Analysing an existing workbook? See AI to analyze Excel data.
Tips for a better model
- Give the stage and purpose. "Seed fundraise" and "bank loan application" need different levels of detail.
- Supply what you know. Actual pricing, current team and starting cash make the model yours.
- Ask for the sensitivity table. See which three or four assumptions move the outcome most.
- Keep monthly periods for the first year. Then quarterly or annual is usually enough.
- Review the sourced inputs that matter. Click through the sources for the assumptions that drive the result.
Frequently asked questions
Can AI build a financial model in Excel?
Yes. Rixx builds the model as a real .xlsx file with an inputs tab, live formulas, scenarios and charts. It recalculates and checks the workbook before handing it back.
Are the formulas real or pasted values?
Real formulas. Every derived figure is calculated from the inputs, so changing an assumption updates the whole model.
Where do the assumptions come from?
Rixx researches market sizes, benchmarks, salaries and prices on the live web and puts a source link next to each one on the assumptions tab. Figures you supply are marked as your inputs.
Can it build a three-statement model?
Yes. Ask for a linked income statement, balance sheet and cash flow statement, and Rixx adds a check that the balance sheet balances in every period.
Can it start from my actual numbers?
Yes. Attach your actuals as Excel or CSV and Rixx keeps them on their own tab, bases the forecast drivers on them and charts actuals against forecast.
Will it open in Google Sheets?
Yes. The model is a standard .xlsx file that opens in Excel, Google Sheets and Numbers.
Is it free to try?
Yes. Every plan, including Free, gets every feature. Free includes 50 credits a day plus 500 a month. A job that researches assumptions and builds a model uses more credits than a quick answer, and you only pay for what a job uses. See pricing.