Monthly financial reporting for SaaS companies

ARR, net revenue retention and payback need subscription and customer data, which a trial balance doesn't hold. Keep them in the billing system; the trial balance gives the financial spine.

Every month: revenue, gross margin (with hosting, support and payment fees placed in direct costs), EBITDA, the loss, cash, debtor days, a cash flow statement whose operating and investing lines give net burn, and the board's runway lens, which divides cash by the average monthly fall in cash and bank over three months. Operating expenses by function and the deferred revenue balance sit in the ledgers behind the cost and balance sheet figures.

• What goes in cost of sales. Hosting, software bundled into the product, customer support salaries and payment fees usually do; engineering salaries usually don't. Decide once and keep it.
• Deferred revenue moves. Annual plans billed upfront are earned monthly, the rest sitting in deferred revenue: a liability, never income.
• An accumulated deficit is normal for a venture-funded company, and belongs in equity.
• Money market and treasury accounts count as cash for runway.
• Capitalised development is an asset, and its amortisation isn't burn.

From the company's trial balance over the six months to June 2026, worked by hand:

Runway is worked as the board works it, on the fall in cash over the last three months. Cash falls more slowly than the loss of about $155,000 a month, because not every cost is paid in cash in the month it is booked. Paid marketing of $264,800 is the largest cost after salaries, so its return deserves a look before the next budget.

The board's gross margin for the six months is 75.0% too: the run placed customer support salaries and payment processing fees on direct expenses, with hosting, as most SaaS boards count them. Check them on the ledger map all the same; it is the line that most often moves a SaaS margin.

In Magic MIS, the same books loaded a month at a time give this board for June 2026:

Enlarge:

Loopline Software Inc.'s board for June 2026, from six months of its books. Example company; figures invented.Close

Magic MIS wrote these section of the commentary for June 2026, word for word. The AI wrote the sentences; the engine filled every figure, and each one opens to its ledgers on the board:

Performance

Revenue from operations for Jun 2026 was $455,467.33, a change of $1,296.38 (0.3%) on last month.

Direct costs were $114,846.36, up $6,832.89 (6.3%) on last month.

EBITDA was $(138,605.82), a change of $(16,564.37) (-13.6%) on last month. Profit before tax was $(137,623.97), a change of $(16,493.52) (-13.6%). Profit after tax was $(137,623.97), a change of $(16,493.52) (-13.6%).

Enlarge:

The commentary for June 2026 in the product. Example company; figures invented.Close

1. Export the trial balance from QuickBooks, Xero or your system as Excel, CSV or PDF. There is no live connection.
2. Upload it. Each ledger is placed once on a line of the report, by rules first and the AI only for what the rules can't place; check what sits in cost of sales on the ledger map.
3. Get a checked Excel workbook with live formulas, a board you change by chatting, and the month written up.
4. Next month, upload the new trial balance: the placing is remembered, so it is a refresh, not a rebuild.

Click any figure on the board to see its working, the month and the ledgers behind it. It is prepaid credits with no subscription, and every action shows its price before it runs; see the credit packs.

Share a read-only copy of the board by link: it opens on a phone, and you can withdraw it at any time.