What AI nails
- The first draft, in minutes
- The grunt work: formulas, mappings, exports
- Explaining what moved, and why
“It does 80 percent of the grunt work.”Independent M&A advisor
AI-native spreadsheet · Works with Claude
Spreadsheets AI can't break.
Built with AI. Approved by humans.
Try it now
Free for individuals · No AI training on your data
Bump churn to 4% on DistribSaaS. What changes for Q1?
I ran it as a dry-run, so the saved model is untouched. Here's the Q1 impact:
Net revenue
€428K
−3.0% from €441K
Gross margin
€176K
−7.1% from €189K
Runway
13.4 mo
−1.6 from 15 mo
Save as scenario_churn_4% and stress a downside?
Yes, and add a downside at −15% revenue
Scenario saved. The downside cuts deeper:
EBITDA Y1
€212K
−51.9% from €441K
Runway
8 months
−5.2 from 13.4 mo
Covenant DSCR
0.88×
breach
Covenant breaks at month 9. Want me to surface a debt restructuring option, or just flag it on the board pack?
Plot quarterly EBITDA, base vs downside
Quarterly EBITDA, both scenarios:
Base caseDownside −15%EBITDA · €k
Covenant floor
Q1Q2Q3Q4
The downside sits under the covenant floor from Q1 onward.
Flag it. Then export both scenarios for the board.
Done. Board pack ready:
DistribSaaS_Q1_board.xlsx
Export Layerz · 92 KB · 2 sheets
Standard Excel, no Layerz account needed on their end.
Write a message…
Opus 4.8
Bring your agent · connect your data
You know this file
Clean in January. Broken by June.
The problem was never building the model. It is keeping it true, close after close.
Budget_2026_v1.xlsx
Budget_2026_v7_final.xlsx
Copy of Budget_2026_v9 (Adam).xlsx
Budget_2026_v12_FINAL_FINAL.xlsx
Budget_2026_v13_THIS_IS_IT.xlsx
Budget_2026_v14_FINAL (conflicted copy).xlsx
"FINAL (conflicted copy)" is not version control.
Why finance needs more than AI
Where it breaks
#REF!
- Plain additions, silently wrong
- A different answer every run
- No memory of your model between sessions
“Claude still makes dumb calculation errors. Plain additions.”CEO, services SME
What's missing
- A structure it cannot silently break
- Checks that stay green
- A history of every change
“If there is one domain where you want deterministic, it is finance.”COO & Head of Finance, scaleup
The trail behind the number
Anyone can build a dashboard. Few can defend the number.
Behind every number: its assumption, its formula, every change since. Change the assumption, everything recomputes. Nothing breaks.
SaaS Plan 2026 – 2028
P&L202620272028
Revenue1 200 0001 900 0002 800 000
MRR900 0001 500 0002 200 000
Expansion300 000400 000600 000
COGS300 000500 000600 000
Gross margin900 0001 400 0002 200 000
% of revenue75%74%79%
Operating expenses700 0001 000 0001 400 000
EBITDA235 000441 000523 000
% margin20%23%19%
How it works
1
Start from something proven
Fork a template, bring a skill, or bring your own Excel.
SaaS budgetLBOProject financeBudget vs forecast
2
Wire your books
Set the mapping rules once. Reuse them every month.
3
It reruns every close
Variance against your frozen budget, reforecast on your actuals, a clean .xlsx out.
Your existing workflow
Same deliverables. The model that survives a handover.
Monthly close, board pack, cash forecast: standard .xlsx, no Layerz account needed on the other end. New person, same process, same numbers.
Revenue
€252K
▲ +5% vs budget
EBITDA
€68K
▲ +13%
Gross margin
77%
▲ +2 pts
March close · actual vs budget · €k
| Budget | Actual | Δ% | |
|---|---|---|---|
| Revenue | 240 | 252 | +5% |
| COGS | (60) | (58) | −3% |
| Gross margin | 180 | 194 | +8% |
| Operating expenses | (120) | (126) | +5% |
| EBITDA | 60 | 68 | +13% |
| Net income | 42 | 48 | +14% |
What you hand to your agent
How it fits your stack
The spreadsheet spirit, built to hold.
| Feature | Layerz | Excel | Claude alone |
|---|---|---|---|
| Dynamic calculations (formulas, dependencies) | ✗ raw figures | ||
| Structured for AI navigation | ✗ cells only | ✗ no persistence | |
| Variables with type + timeline | ✗ | ✗ | |
| Persists context across sessions | ✓ data only | ✗ | |
| Native financial logic (dependencies, patterns) | ✗ manual | ✗ raw figures | |
| Versioning — every edit logged, auditable, revertable | ✗ file copies | ✗ | |
| Export to standard .xlsx | native | ✗ |
Where it fits
Why not just Claude?
Claude builds a model brilliantly, once. Then a value hardens, a link breaks, nothing persists. Layerz is the surface Claude works on: Claude drives, the formulas hold, you audit every change.
Why not an FP&A platform?
Platforms mean months of rollout and a consultant for every change. Layerz keeps the spreadsheet spirit: shape the model yourself, in minutes. And it stays yours, exportable to .xlsx for free, forever.
The flexibility of Excel. The confidence of a system of record.
Pricing
Free for individuals. Paid when your team collaborates.
IndividualsFree
Unlimited models. Full MCP and API access. Clean .xlsx export, always.
Teams29 €/editor/month
Working together on the same model, from the second editor in a workspace.
Full pricing →
Your data stays exportable for free. Forever. Subscribed or not.
Spreadsheet your business.
Budgets, forecasts, board packs: built with Claude, on a structure that holds.
Try it now
Free for individuals · .xlsx export always free · Works with Claude