three-statement-model-template (Excel skill)

SKILL.md

name	three-statement-model-template
description	Creates a polished integrated 3-statement financial model template in Excel with dynamic year labels, Assumptions, Cover, Income Statement, Balance Sheet, Cash Flow, and Checks sheets. Use when asked to build or generate a financial model template.

Three-Statement Financial Model Template

Create a complete Excel financial model with these sheets:

1 Cover 2 Assumptions 3 Income Statement 4 Balance Sheet 5 Cash Flow 6 Checks

Time Period Logic

Do not hard-code forecast years.

Determine the model columns dynamically from the current date:

• Actual year = most recently completed fiscal year
• Forecast years = next 5 fiscal years after the actual year
• Label the actual year as YYYYA
• Label forecast years as YYYYE

Examples:

• If current year is 2026, use FY2025A, then FY2026E through FY2030E
• If current year is 2027, use FY2026A, then FY2027E through FY2031E

Calculate these labels yourself and place them in the appropriate cells on the assumptions sheet. Do not use a formula to calculate them. Other sheets can use a formula to refer to the year column headers on the assumptions sheet.

Requirements

• Units: $ millions unless noted
• Blue cells are hardcoded assumptions.
• Formula cells must dynamically update all statements.
• Checks must equal zero.
• Include a master check that displays:
  • ✓ ALL CHECKS PASS when all checks are zero
  • ⚠ CHECKS FAIL otherwise## Build Instructions

Cover

Create a title: Three-Statement Financial Model Template

Add contents table listing:

• Assumptions
• Income Statement
• Balance Sheet
• Cash Flow
• Checks### Assumptions

Include sections for:

• Revenue & profitability
• Working capital & capital expenditure
• Debt, equity & cash returns
• Opening balance sheet

Inputs should include:

• Net Revenue
• Revenue Growth %
• Cost of Revenue %
• Sales & Marketing %
• G&A %
• R&D %
• D&A %
• SBC %
• Tax Rate
• DSO, DIO, DPO
• CapEx % of Revenue
• Debt Borrowings / Repayment
• Interest Rate
• Equity Issuance
• Dividends
• Opening Cash, AR, Inventory, PP&E, AP, Debt, APIC, Retained Earnings

Income Statement

Link to assumptions and calculate:

• Revenue
• Cost of Revenue
• Gross Profit / Margin
• Operating Expenses
• EBIT / Margin
• EBITDA / Margin
• Interest Expense
• EBT
• Taxes
• Net Income / Margin

Balance Sheet

Calculate:

• Cash from Cash Flow
• AR using DSO
• Inventory using DIO
• PP&E roll-forward
• AP using DPO
• Debt roll-forward
• APIC
• Retained Earnings
• Balance Sheet Check

Cash Flow

Calculate:

• Net Income
• D&A
• SBC
• Working capital changes
• CFO
• CapEx
• CFI
• Debt activity
• Equity issuance
• Dividends
• CFF
• Net Change in Cash
• Beginning Cash
• Ending Cash

Checks

Include:

• Balance Sheet Balance

• Cash Tie-Out

• Net Income Link

• Retained Earnings Roll-Forward

• Debt Roll-Forward

• PP&E Roll-Forward## Formatting

• Dark title banners with white text

• Blue fill for input cells

• Clear section headers

• Currency format: $#,##0;($#,##0);-

• Percent format: 0%

• Check rows formatted clearly

• Autofit columns and rows

• Hide unused rows/columns on styled sheets

Verification

Before finishing:

• Confirm all formulas calculate without errors.
• Confirm every check equals zero.
• Confirm master status shows ✓ ALL CHECKS PASS.