MerchantWise

Generate a complete balance sheet for your business

Describe your business, get an AI-generated balance sheet with realistic line items and adjustable formulas—in under 30 seconds.

How it works

AI-powered generation

Describe your business in plain English and our AI builds a complete balance sheet with realistic cost structures.

Fully editable model

Every line item is adjustable. Change percentages or values and watch the model recalculate in real-time.

Formula-driven accuracy

Costs are linked to their natural drivers. Change revenue and related costs adjust automatically.

When to use this

New business planning

Get a realistic cost structure before you've spent a penny.

Scenario modelling

What if revenue doubles? Adjust inputs and see the full impact.

Quick sanity checks

Compare your costs against industry benchmarks.

What's included in your balance sheet

• Revenue projections

• Cost of goods sold

• Payment processing fees

• Premises & utilities

• Staff & payroll costs

• Admin & G&A expenses

• Profit margins

• Explanatory notes

Balance Sheet Simulator | MerchantWise