=== Salon Business Financial Projections ===

-- Sheet 1: Assumptions --
A1: Assumptions
A3: General Assumptions
A4: Business Name
B4: Beautiful You Salon
A5: Start Date
B5: 1/1/2025
A6: Projection Period (Years)
B6: 5
A7: Initial Investment
B7: $75,000
A8: Annual Inflation Rate
B8: 3.0%

A10: Revenue Streams

A11: Service Categories
B11: Average Price
C11: Monthly Clients (Start)
D11: Growth Rate (Year 1)
E11: Growth Rate (Years 2-5)
A12: Haircuts
B12: $45
C12: 200
D12: 15%
E12: 8%
A13: Color Services
B13: $120
C13: 80
D13: 12%
E13: 7%
A14: Treatments (Deep Conditioning, etc.)
B14: $65
C14: 60
D14: 18%
E14: 10%
A15: Styling (Blowouts, Updos)
B15: $85
C15: 50
D15: 20%
E15: 12%
A16: Retail Products
B16: $25
C16: 100
D16: 25%
E16: 15%

A18: Expenses
A19: Category
B19: Monthly Fixed Cost
C19: Variable Cost (% of Revenue)
D19: Annual Increase
A20: Rent
B20: $4,000
C20: 0%
D20: 3%
A21: Utilities
B21: $750
C21: 0%
D21: 2%
A22: Staff Salaries (Base)
B22: $12,000
C22: 0%
D22: 3%
A23: Staff Commissions
B23: $0
C23: 30%
D23: 0%
A24: Supplies
B24: $800
C24: 5%
D24: 2%
A25: Marketing
B25: $1,200
C25: 2%
D25: 0%
A26: Insurance
B26: $500
C26: 0%
D26: 2%
A27: Accounting/Legal
B27: $300
C27: 0%
D27: 2%
A28: Product Inventory
B28: $0
C28: 40%
D28: 0%
A29: Maintenance
B29: $400
C29: 0%
D29: 3%
A30: Miscellaneous
B30: $300
C30: 1%
D30: 2%

A32: Staffing Plan

A33: Year
B33: # of Full-time Stylists
C33: # of Part-time Stylists
D33: # of Assistants
E33: # of Receptionists
A34: Year 1
B34: 3
C34: 2
D34: 1
E34: 1
A35: Year 2
B35: 4
C35: 3
D35: 2
E35: 1
A36: Year 3
B36: 5
C36: 3
D36: 2
E36: 2
A37: Year 4
B37: 6
C37: 4
D37: 3
E37: 2
A38: Year 5
B38: 7
C38: 4
D38: 3
E38: 2

A40: Financing
A41: Loan Amount
B41: $50,000
A42: Interest Rate
B42: 7.5%
A43: Loan Term (Years)
B43: 7
A44: Owner's Investment
B44: $25,000

-- Sheet 2: Monthly Projections (Year 1) --

A1: Monthly Projections - Year 1
A3: Month
B3: Jan
C3: Feb
D3: Mar
E3: Apr
F3: May
G3: Jun
H3: Jul
I3: Aug
J3: Sep
K3: Oct
L3: Nov
M3: Dec
N3: Year 1 Total

A5: Revenue
A6: Haircuts
B6: =B12*200
C6: =B6*(1+D12/12)
D6: =C6*(1+D12/12)
E6: =D6*(1+D12/12)
F6: =E6*(1+D12/12)
G6: =F6*(1+D12/12)
H6: =G6*(1+D12/12)
I6: =H6*(1+D12/12)
J6: =I6*(1+D12/12)
K6: =J6*(1+D12/12)
L6: =K6*(1+D12/12)
M6: =L6*(1+D12/12)
N6: =SUM(B6:M6)

A7: Color Services

B7: =B13*80
C7: =B7*(1+D13/12)
D7: =C7*(1+D13/12)
E7: =D7*(1+D13/12)
F7: =E7*(1+D13/12)
G7: =F7*(1+D13/12)
H7: =G7*(1+D13/12)
I7: =H7*(1+D13/12)
J7: =I7*(1+D13/12)
K7: =J7*(1+D13/12)
L7: =K7*(1+D13/12)
M7: =L7*(1+D13/12)
N7: =SUM(B7:M7)

A8: Treatments
B8: =B14*60
C8: =B8*(1+D14/12)
D8: =C8*(1+D14/12)
E8: =D8*(1+D14/12)
F8: =E8*(1+D14/12)
G8: =F8*(1+D14/12)
H8: =G8*(1+D14/12)
I8: =H8*(1+D14/12)
J8: =I8*(1+D14/12)
K8: =J8*(1+D14/12)
L8: =K8*(1+D14/12)
M8: =L8*(1+D14/12)
N8: =SUM(B8:M8)

A9: Styling
B9: =B15*50
C9: =B9*(1+D15/12)
D9: =C9*(1+D15/12)
E9: =D9*(1+D15/12)
F9: =E9*(1+D15/12)
G9: =F9*(1+D15/12)
H9: =G9*(1+D15/12)
I9: =H9*(1+D15/12)
J9: =I9*(1+D15/12)
K9: =J9*(1+D15/12)
L9: =K9*(1+D15/12)
M9: =L9*(1+D15/12)
N9: =SUM(B9:M9)

A10: Retail Products

B10: =B16*100
C10: =B10*(1+D16/12)
D10: =C10*(1+D16/12)
E10: =D10*(1+D16/12)
F10: =E10*(1+D16/12)
G10: =F10*(1+D16/12)
H10: =G10*(1+D16/12)
I10: =H10*(1+D16/12)
J10: =I10*(1+D16/12)
K10: =J10*(1+D16/12)
L10: =K10*(1+D16/12)
M10: =L10*(1+D16/12)
N10: =SUM(B10:M10)

A11: Total Revenue

B11: =SUM(B6:B10)
C11: =SUM(C6:C10)
D11: =SUM(D6:D10)
E11: =SUM(E6:E10)
F11: =SUM(F6:F10)
G11: =SUM(G6:G10)
H11: =SUM(H6:H10)
I11: =SUM(I6:I10)
J11: =SUM(J6:J10)
K11: =SUM(K6:K10)
L11: =SUM(L6:L10)
M11: =SUM(M6:M10)
N11: =SUM(N6:N10)

A13: Expenses
A14: Fixed Expenses
A15: Rent
B15: =B20
C15: =B15
D15: =B15
E15: =B15
F15: =B15
G15: =B15
H15: =B15
I15: =B15
J15: =B15
K15: =B15
L15: =B15
M15: =B15
N15: =SUM(B15:M15)

A16: Utilities
B16: =B21
C16: =B16
D16: =B16
E16: =B16
F16: =B16
G16: =B16
H16: =B16
I16: =B16
J16: =B16
K16: =B16
L16: =B16
M16: =B16
N16: =SUM(B16:M16)

A17: Staff Salaries (Base)

B17: =B22
C17: =B17
D17: =B17
E17: =B17
F17: =B17
G17: =B17
H17: =B17
I17: =B17
J17: =B17
K17: =B17
L17: =B17
M17: =B17
N17: =SUM(B17:M17)
A18: Insurance
B18: =B26
C18: =B18
D18: =B18
E18: =B18
F18: =B18
G18: =B18
H18: =B18
I18: =B18
J18: =B18
K18: =B18
L18: =B18
M18: =B18
N18: =SUM(B18:M18)

A19: Accounting/Legal
B19: =B27
C19: =B19
D19: =B19
E19: =B19
F19: =B19
G19: =B19
H19: =B19
I19: =B19
J19: =B19
K19: =B19
L19: =B19
M19: =B19
N19: =SUM(B19:M19)

A20: Maintenance
B20: =B29
C20: =B20
D20: =B20
E20: =B20
F20: =B20
G20: =B20
H20: =B20
I20: =B20
J20: =B20
K20: =B20
L20: =B20
M20: =B20
N20: =SUM(B20:M20)

A21: Miscellaneous (Fixed)

B21: =B30
C21: =B21
D21: =B21
E21: =B21
F21: =B21
G21: =B21
H21: =B21
I21: =B21
J21: =B21
K21: =B21
L21: =B21
M21: =B21
N21: =SUM(B21:M21)
A22: Marketing (Fixed)
B22: =B25
C22: =B22
D22: =B22
E22: =B22
F22: =B22
G22: =B22
H22: =B22
I22: =B22
J22: =B22
K22: =B22
L22: =B22
M22: =B22
N22: =SUM(B22:M22)

A23: Total Fixed Expenses

B23: =SUM(B15:B22)
C23: =SUM(C15:C22)
D23: =SUM(D15:D22)
E23: =SUM(E15:E22)
F23: =SUM(F15:F22)
G23: =SUM(G15:G22)
H23: =SUM(H15:H22)
I23: =SUM(I15:I22)
J23: =SUM(J15:J22)
K23: =SUM(K15:K22)
L23: =SUM(L15:L22)
M23: =SUM(M15:M22)
N23: =SUM(N15:N22)

A25: Variable Expenses

A26: Staff Commissions
B26: =B11*C23
C26: =C11*C23
D26: =D11*C23
E26: =E11*C23
F26: =F11*C23
G26: =G11*C23
H26: =H11*C23
I26: =I11*C23
J26: =J11*C23
K26: =K11*C23
L26: =L11*C23
M26: =M11*C23
N26: =SUM(B26:M26)

A27: Supplies
B27: =B24+B11*C24
C27: =B24+C11*C24
D27: =B24+D11*C24
E27: =B24+E11*C24
F27: =B24+F11*C24
G27: =B24+G11*C24
H27: =B24+H11*C24
I27: =B24+I11*C24
J27: =B24+J11*C24
K27: =B24+K11*C24
L27: =B24+L11*C24
M27: =B24+M11*C24
N27: =SUM(B27:M27)

A28: Product Inventory

B28: =B10*C28
C28: =C10*C28
D28: =D10*C28
E28: =E10*C28
F28: =F10*C28
G28: =G10*C28
H28: =H10*C28
I28: =I10*C28
J28: =J10*C28
K28: =K10*C28
L28: =L10*C28
M28: =M10*C28
N28: =SUM(B28:M28)

A29: Marketing (Variable)

B29: =B11*C25
C29: =C11*C25
D29: =D11*C25
E29: =E11*C25
F29: =F11*C25
G29: =G11*C25
H29: =H11*C25
I29: =I11*C25
J29: =J11*C25
K29: =K11*C25
L29: =L11*C25
M29: =M11*C25
N29: =SUM(B29:M29)

A30: Miscellaneous (Variable)

B30: =B11*C30
C30: =C11*C30
D30: =D11*C30
E30: =E11*C30
F30: =F11*C30
G30: =G11*C30
H30: =H11*C30
I30: =I11*C30
J30: =J11*C30
K30: =K11*C30
L30: =L11*C30
M30: =M11*C30
N30: =SUM(B30:M30)

A31: Total Variable Expenses

B31: =SUM(B26:B30)
C31: =SUM(C26:C30)
D31: =SUM(D26:D30)
E31: =SUM(E26:E30)
F31: =SUM(F26:F30)
G31: =SUM(G26:G30)
H31: =SUM(H26:H30)
I31: =SUM(I26:I30)
J31: =SUM(J26:J30)
K31: =SUM(K26:K30)
L31: =SUM(L26:L30)
M31: =SUM(M26:M30)
N31: =SUM(N26:N30)

A33: Total Expenses

B33: =B23+B31
C33: =C23+C31
D33: =D23+D31
E33: =E23+E31
F33: =F23+F31
G33: =G23+G31
H33: =H23+H31
I33: =I23+I31
J33: =J23+J31
K33: =K23+K31
L33: =L23+L31
M33: =M23+M31
N33: =N23+N31

A35: Operating Income

B35: =B11-B33
C35: =C11-C33
D35: =D11-D33
E35: =E11-E33
F35: =F11-F33
G35: =G11-G33
H35: =H11-H33
I35: =I11-I33
J35: =J11-J33
K35: =K11-K33
L35: =L11-L33
M35: =M11-M33
N35: =N11-N33

A37: Loan Payment

B37: =(B41/12)*(B42/12)/(1-(1/(1+B42/12)^(B43*12)))
C37: =B37
D37: =B37
E37: =B37
F37: =B37
G37: =B37
H37: =B37
I37: =B37
J37: =B37
K37: =B37
L37: =B37
M37: =B37
N37: =SUM(B37:M37)

A39: Net Income

B39: =B35-B37
C39: =C35-C37
D39: =D35-D37
E39: =E35-E37
F39: =F35-F37
G39: =G35-G37
H39: =H35-H37
I39: =I35-I37
J39: =J35-J37
K39: =K35-K37
L39: =L35-L37
M39: =M35-M37
N39: =N35-N37

A41: Cumulative Cash Flow

B41: =B39-B7
C41: =B41+C39
D41: =C41+D39
E41: =D41+E39
F41: =E41+F39
G41: =F41+G39
H41: =G41+H39
I41: =H41+I39
J41: =I41+J39
K41: =J41+K39
L41: =K41+L39
M41: =L41+M39

-- Sheet 3: Annual Projections (5 Years) --

A1: Annual Projections (5 Years)

A3: Year
B3: Year 1
C3: Year 2
D3: Year 3
E3: Year 4
F3: Year 5

A5: Revenue
A6: Haircuts
B6: =N6
C6: =B6*(1+E12)
D6: =C6*(1+E12)
E6: =D6*(1+E12)
F6: =E6*(1+E12)

A7: Color Services

B7: =N7
C7: =B7*(1+E13)
D7: =C7*(1+E13)
E7: =D7*(1+E13)
F7: =E7*(1+E13)

A8: Treatments
B8: =N8
C8: =B8*(1+E14)
D8: =C8*(1+E14)
E8: =D8*(1+E14)
F8: =E8*(1+E14)

A9: Styling
B9: =N9
C9: =B9*(1+E15)
D9: =C9*(1+E15)
E9: =D9*(1+E15)
F9: =E9*(1+E15)

A10: Retail Products

B10: =N10
C10: =B10*(1+E16)
D10: =C10*(1+E16)
E10: =D10*(1+E16)
F10: =E10*(1+E16)

A11: Total Revenue

B11: =SUM(B6:B10)
C11: =SUM(C6:C10)
D11: =SUM(D6:D10)
E11: =SUM(E6:E10)
F11: =SUM(F6:F10)

A13: Expenses
A14: Fixed Expenses
A15: Rent
B15: =N15
C15: =B15*(1+D20)
D15: =C15*(1+D20)
E15: =D15*(1+D20)
F15: =E15*(1+D20)

A16: Utilities
B16: =N16
C16: =B16*(1+D21)
D16: =C16*(1+D21)
E16: =D16*(1+D21)
F16: =E16*(1+D21)

A17: Staff Salaries (Base)

B17: =N17
C17: =B17*(1+D22)*(B35/B34)
D17: =C17*(1+D22)*(B36/B35)
E17: =D17*(1+D22)*(B37/B36)
F17: =E17*(1+D22)*(B38/B37)

A18: Insurance
B18: =N18
C18: =B18*(1+D26)
D18: =C18*(1+D26)
E18: =D18*(1+D26)
F18: =E18*(1+D26)

A19: Accounting/Legal
B19: =N19
C19: =B19*(1+D27)
D19: =C19*(1+D27)
E19: =D19*(1+D27)
F19: =E19*(1+D27)

A20: Maintenance
B20: =N20
C20: =B20*(1+D29)
D20: =C20*(1+D29)
E20: =D20*(1+D29)
F20: =E20*(1+D29)

A21: Miscellaneous (Fixed)

B21: =N21
C21: =B21*(1+D30)
D21: =C21*(1+D30)
E21: =D21*(1+D30)
F21: =E21*(1+D30)

A22: Marketing (Fixed)

B22: =N22
C22: =B22*(1+D25)
D22: =C22*(1+D25)
E22: =D22*(1+D25)
F22: =E22*(1+D25)

A23: Total Fixed Expenses

B23: =SUM(B15:B22)
C23: =SUM(C15:C22)
D23: =SUM(D15:D22)
E23: =SUM(E15:E22)
F23: =SUM(F15:F22)

A25: Variable Expenses

A26: Staff Commissions
B26: =N26
C26: =C11*C23
D26: =D11*C23
E26: =E11*C23
F26: =F11*C23

A27: Supplies
B27: =N27
C27: =(B24+C11*C24)*12
D27: =(B24+D11*C24)*12
E27: =(B24+E11*C24)*12
F27: =(B24+F11*C24)*12

A28: Product Inventory

B28: =N28
C28: =C10*C28
D28: =D10*C28
E28: =E10*C28
F28: =F10*C28

A29: Marketing (Variable)

B29: =N29
C29: =C11*C25
D29: =D11*C25
E29: =E11*C25
F29: =F11*C25

A30: Miscellaneous (Variable)

B30: =N30
C30: =C11*C30
D30: =D11*C30
E30: =E11*C30
F30: =F11*C30

A31: Total Variable Expenses

B31: =SUM(B26:B30)
C31: =SUM(C26:C30)
D31: =SUM(D26:D30)
E31: =SUM(E26:E30)
F31: =SUM(F26:F30)

A33: Total Expenses

B33: =B23+B31
C33: =C23+C31
D33: =D23+D31
E33: =E23+E31
F33: =F23+F31

A35: Operating Income

B35: =B11-B33
C35: =C11-C33
D35: =D11-D33
E35: =E11-E33
F35: =F11-F33

A37: Loan Payment

B37: =N37
C37: =B37
D37: =B37
E37: =B37
F37: =B37

A39: Net Income

B39: =B35-B37
C39: =C35-C37
D39: =D35-D37
E39: =E35-E37
F39: =F35-F37

A41: Operating Margin

B41: =B35/B11
C41: =C35/C11
D41: =D35/D11
E41: =E35/E11
F41: =F35/F11

A42: Net Profit Margin

B42: =B39/B11
C42: =C39/C11
D42: =D39/D11
E42: =E39/E11
F42: =F39/F11

A44: Year-End Cash Position

B44: =M41
C44: =B44+C39
D44: =C44+D39
E44: =D44+E39
F44: =E44+F39

A46: Investment Analysis

A47: Initial Investment
B47: =B7
A48: Cumulative Net Income
B48: =B39
C48: =B48+C39
D48: =C48+D39
E48: =D48+E39
F48: =E48+F39
A49: ROI
B49: =B48/B47-1
C49: =C48/B47-1
D49: =D48/B47-1
E49: =E48/B47-1
F49: =F48/B47-1

-- Sheet 4: Break-Even Analysis --

A1: Break-Even Analysis

A3: Monthly Fixed Costs

B3: =SUM(B15:B22)

A4: Average Service Price

B4: =(B12+B13+B14+B15)/4

A5: Average Variable Cost Per Service

B5: =(C23+C24+C25+C30)/100

A6: Contribution Margin Per Service

B6: =B4-B5

A7: Monthly Break-Even Point (# of Services)

B7: =B3/B6

A8: Monthly Break-Even Revenue

B8: =B7*B4

A10: Monthly Break-Even Revenue by Service Type

A11: Services
B11: % of Total Sales
C11: Break-Even Units
D11: Break-Even Revenue

A12: Haircuts
B12: =B6/(B6+B7+B8+B9)
C12: =B7*B12
D12: =C12*B12

A13: Color Services

B13: =B7/(B6+B7+B8+B9)
C13: =B7*B13
D13: =C13*B13

A14: Treatments
B14: =B8/(B6+B7+B8+B9)
C14: =B7*B14
D14: =C14*B14

A15: Styling
B15: =B9/(B6+B7+B8+B9)
C15: =B7*B15
D15: =C15*B15

-- Sheet 5: Cash Flow Statement --

A1: Cash Flow Statement
A3: Year
B3: Year 0
C3: Year 1
D3: Year 2
E3: Year 3
F3: Year 4
G3: Year 5

A5: Beginning Cash Balance

B5: =B44
C5: =B7
D5: =C44
E5: =D44
F5: =E44
G5: =F44

A6: Cash Inflows

A7: Revenue
B7: 0
C7: =B11
D7: =C11
E7: =D11
F7: =E11
G7: =F11

A8: Owner's Investment

B8: =B44
C8: 0
D8: 0
E8: 0
F8: 0
G8: 0

A9: Loan Proceeds

B9: =B41
C9: 0
D9: 0
E9: 0
F9: 0
G9: 0

A10: Total Cash Inflows

B10: =SUM(B7:B9)
C10: =SUM(C7:C9)
D10: =SUM(D7:D9)
E10: =SUM(E7:E9)
F10: =SUM(F7:F9)
G10: =SUM(G7:G9)

A12: Cash Outflows

A13: Operating Expenses
B13: 0
C13: =B33
D13: =C33
E13: =D33
F13: =E33
G13: =F33

A14: Loan Payments

B14: 0
C14: =B37
D14: =C37
E14: =D37
F14: =E37
G14: =F37

A15: Equipment Purchases

B15: =B7*0.4
C15: =B7*0.05
D15: =B7*0.05
E15: =B7*0.1
F15: =B7*0.05
G15: =B7*0.1

A16: Total Cash Outflows

B16: =SUM(B13:B15)
C16: =SUM(C13:C15)
D16: =SUM(D13:D15)
E16: =SUM(E13:E15)
F16: =SUM(F13:F15)
G16: =SUM(G13:G15)

A18: Net Cash Flow

B18: =B10-B16
C18: =C10-C16
D18: =D10-D16
E18: =E10-E16
F18: =F10-F16
G18: =G10-G16

A19: Ending Cash Balance

B19: =B5+B18
C19: =C5+C18
D19: =D5+D18
E19: =E5+E18
F19: =F5+F18
G19: =G5+G18

-- Sheet 6: Dashboard --
A1: Salon Business Financial Dashboard

A3: Key Performance Indicators

A4: Metric
B4: Year 1
C4: Year 2
D4: Year 3
E4: Year 4
F4