Timeline
Expense and income roadmap by month
Year 1
Year 2
Year 3
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
Total
Product Launch Date
Slide the product launch date (sales start from this date) to manage Expenses, Channel activity, and Income.
Product Launch
Jan 1, 2026
Expenses
Toggle items on or off by month to fine-tune your product economics.
Acquisition Channels(4 channels - 39,500 $/mo)
Digital Ads →Google Search Ads(35,000 $/mo)
1,050,000
Digital Ads →Facebook Ads(4,500 $/mo)
135,000
Organic →Financial Bloggers & SEO
0
Organic →Referral Program
0
Acquisition Channels: 1,185,000 $
People(6 people - 39,489 $/mo)
Product & Tech →CTO(9,113 $/mo)
328,068
Product & Tech →Backend Developer(6,075 $/mo)
218,700
Product & Tech →Data Scientist(6,683 $/mo)
227,222
Product & Tech →Mobile Developer(5,468 $/mo)
191,380
Operations →Head of Risk(7,290 $/mo)
240,570
Operations →Growth Manager(4,860 $/mo)
155,520
People (Payroll + Taxes 21.5%): 1,361,460 $
Operations(4 items - 9,500.5 $/mo)
Cloud & Infrastructure(3,000 $/mo)
108,000
Credit Scoring API(0.5 $/mo)
15
Regulatory Compliance(4,000 $/mo)
144,000
Legal & Audit(2,500 $/mo)
90,000
Operational: 342,015 $
Total Expenses: 2,888,475 $
Sales
New Sales
–
–
–
–
–
–
64
257
578
610
663
649
643
645
657
676
705
691
678
678
678
678
678
678
678
678
678
678
678
678
678
678
678
678
678
678
19,042
Base at Start
–
–
–
–
–
–
–
64
321
900
2K
2K
3K
3K
4K
5K
5K
6K
7K
8K
8K
9K
10K
10K
11K
12K
12K
13K
14K
14K
15K
16K
16K
17K
18K
18K
18,357
Total Clients
–
–
–
–
–
–
64
321
900
2K
2K
3K
3K
4K
5K
5K
6K
7K
8K
8K
9K
10K
10K
11K
12K
12K
13K
14K
14K
15K
16K
16K
17K
18K
18K
19K
19,034
Active at Start
–
–
–
–
–
–
–
22
99
245
327
406
459
505
550
594
640
689
725
757
790
824
857
890
923
957
990
1K
1K
1K
1K
1K
1K
1K
1K
1K
1,288
Churn
–
–
–
–
–
–
–
13
56
132
154
174
178
182
186
191
197
206
205
204
204
204
204
204
204
204
204
204
204
204
204
204
204
204
204
204
5,342
Active at End
–
–
–
–
–
–
22
99
245
327
406
459
505
550
594
640
689
725
757
790
824
857
890
923
957
990
1K
1K
1K
1K
1K
1K
1K
1K
1K
1K
1,322
Income
Tariffs(71,878 $)
Product Sales
–
–
–
–
–
–
67
297
735
981
1K
1K
2K
2K
2K
2K
2K
2K
2K
2K
2K
3K
3K
3K
3K
3K
3K
3K
3K
3K
3K
4K
4K
4K
4K
4K
71,878
Additional Income(4 incomes, 2,554,846 $)
Origination Fee (4%)
–
–
–
–
–
–
1K
5K
12K
16K
20K
23K
25K
27K
30K
32K
34K
36K
38K
40K
41K
43K
45K
46K
48K
49K
51K
53K
54K
56K
58K
59K
61K
63K
64K
66K
1,198,566
Servicing Fee
–
–
–
–
–
–
562
2K
6K
8K
10K
11K
13K
14K
15K
16K
17K
18K
19K
20K
21K
21K
22K
23K
24K
25K
26K
26K
27K
28K
29K
30K
31K
31K
32K
33K
599,283
Premium Lender Subs
–
–
–
–
–
–
–
–
5K
7K
8K
9K
10K
11K
12K
13K
14K
15K
15K
16K
16K
17K
18K
18K
19K
20K
20K
21K
22K
22K
23K
24K
24K
25K
26K
26K
476,997
Collection & Late Fees
–
–
–
–
–
–
–
–
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
280,000