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
Oct 1, 2025
Expenses
Toggle items on or off by month to fine-tune your product economics.
Acquisition Channels(6 channels - 7,500 ₸/mo)
Organic & Viral →ASO & App Store
0
Organic & Viral →Referral Program (€5 bonus)
0
Paid Acquisition →Meta Ads(3,500 ₸/mo)
108,500
Paid Acquisition →Google UAC(1,350 ₸/mo)
40,500
Paid Acquisition →TikTok Ads(1,210 ₸/mo)
36,300
Paid Acquisition →Finance Influencers(1,440 ₸/mo)
43,200
Acquisition Channels: 228,500 ₸
People(8 people - 40,157 ₸/mo)
Product & Engineering →CTO / Architect(9,720 ₸/mo)
349,920
Product & Engineering →Senior Backend Developer(6,683 ₸/mo)
240,588
Product & Engineering →Mobile Developer(5,468 ₸/mo)
196,848
Product & Engineering →Security Engineer(30)(1,823 ₸/mo)
61,982
Product & Engineering →UI/UX Designer(50)(2,126 ₸/mo)
25,512
Growth & Operations →Head of Growth(6,075 ₸/mo)
200,475
Growth & Operations →Compliance Officer(4,860 ₸/mo)
165,240
Growth & Operations →Customer Support Lead(3,402 ₸/mo)
105,462
People (Payroll + Taxes 21.5%): 1,346,027 ₸
Operations(8 items - 6,305 ₸/mo)
Cloud Infrastructure (Multi-region)(2,200 ₸/mo)
79,200
Dev & Security Tools(500 ₸/mo)
18,000
Card Issuing & Processing(0.6 ₸/mo)
18
KYC/AML Provider(0.4 ₸/mo)
12
Regulatory & Legal(2,200 ₸/mo)
79,200
Customer Support(1,000 ₸/mo)
30,000
Fraud Monitoring(400 ₸/mo)
12,000
Referral Bonus Payouts(4 ₸/mo)
116
Operational: 218,546 ₸
Total Expenses: 1,793,073 ₸
Sales
New Sales
–
–
–
–
–
–
76
248
338
394
454
537
643
681
761
858
980
975
970
970
970
970
970
970
970
970
970
970
970
970
970
970
970
970
970
970
24,405
Base at Start
–
–
–
–
–
–
–
76
324
661
1K
2K
2K
3K
3K
4K
5K
6K
7K
8K
9K
10K
11K
12K
13K
14K
15K
16K
17K
18K
19K
20K
21K
22K
22K
23K
23,442
Total Clients
–
–
–
–
–
–
76
324
661
1K
2K
2K
3K
3K
4K
5K
6K
7K
8K
9K
10K
11K
12K
13K
14K
15K
16K
17K
18K
19K
20K
21K
22K
22K
23K
24K
24,413
Active at Start
–
–
–
–
–
–
–
32
117
193
261
332
416
516
598
695
805
933
1K
1K
1K
1K
1K
1K
1K
1K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2,047
Churn
–
–
–
–
–
–
–
19
66
97
120
142
170
204
223
251
283
323
332
337
341
344
346
348
349
350
350
351
351
351
351
351
351
351
351
351
8,154
Active at End
–
–
–
–
–
–
32
117
193
261
332
416
516
598
695
805
933
1K
1K
1K
1K
1K
1K
1K
1K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2,104
Income
Tariffs(262,026 ₸)
Product Sales
–
–
–
–
–
–
239
875
1K
2K
2K
3K
4K
4K
5K
6K
7K
8K
8K
9K
9K
10K
10K
11K
11K
11K
12K
12K
13K
13K
14K
14K
14K
15K
15K
16K
262,026
Additional Income(5 incomes, 735,966 ₸)
Card Interchange Revenue
–
–
–
–
–
–
121
444
733
993
1K
2K
2K
2K
3K
3K
4K
4K
4K
4K
5K
5K
5K
5K
6K
6K
6K
6K
6K
7K
7K
7K
7K
8K
8K
8K
132,845
FX Markup Revenue (0.5% avg)
–
–
–
–
–
–
89
327
540
732
931
1K
1K
2K
2K
2K
3K
3K
3K
3K
3K
4K
4K
4K
4K
4K
4K
5K
5K
5K
5K
5K
5K
6K
6K
6K
97,886
Float Interest Income
–
–
–
–
–
–
–
–
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
Premium Services (Insurance, Lounges)
–
–
–
–
–
–
–
–
–
523
665
832
1K
1K
1K
2K
2K
2K
2K
2K
2K
3K
3K
3K
3K
3K
3K
3K
3K
4K
4K
4K
4K
4K
4K
4K
69,235
Merchant Payment Processing
–
–
–
–
–
–
–
–
–
–
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
156,000