Financial Modelling Freelancing: Excel Skills Se Per Project Income
Ek founder ne mujhe apna pitch deck bheja tha review ke liye, favour maangte hue. Maine dekha toh unka Year 3 revenue number, Year 1 se seedha 40 guna badal gaya tha. Formula check kiya toh pata chala ki unhone Excel mein ek cell manually type kar diya tha, formula tha hi nahi. Ek zero extra laga diya tha kahin.
Maine bataya. Woh thoda embarrassed hue, phir bole "tum aisa kaam karte ho kya, properly?" Maine socha nahi tha kabhi ki karta hoon, par haan, roz yahi karta hoon office mein. Bas kisi aur ke liye nahi kiya tha abhi tak.
Us conversation ke 4 din baad mera pehla paid financial modelling client tha. ā¹8,000 mein unka poora investor-ready model banaya, teen scenario ke saath: conservative, base, aggressive.
Main roz yahi karta hoon, sirf apni company ke liye
Main ek mid-size company mein FP&A (financial planning and analysis) team mein hoon, 4 saal se. Budget banana, forecast karna, department heads ke sawaalon ka jawab Excel mein dena, yehi kaam hai. Roz ke roz three-statement models, sensitivity analysis, variance reports.
Kabhi socha nahi tha ki ye "sellable" skill hai. Office ke bahar iski demand hogi, ye idea hi nahi aaya tha until us founder wale incident ke baad.
Pehla project: teen scenario aur ek confused founder
D2C skincare brand tha, seed round raise kar rahe the. Unhe teen cheezein chahiye thi: revenue projection 3 saal ki, unit economics (CAC, LTV, contribution margin), aur cap table jo unke existing aur naye investors dono ko dikhaye.
Maine unse pehla sawaal pucha: "Aapka current CAC kya hai?" Jawab mila: "Roughly ā¹450 hoga shayad." Roughly. Shayad. Ye do words mujhe pata chal gaya ki asli kaam number dalna nahi hai, unse sahi numbers nikalwana hai.
Do calls lagi sirf inputs finalize karne mein. Model khud 14 ghante mein ban gaya. Par un 14 ghanton se zyada waqt to phone pe unke assumptions clarify karne mein gaya.
ā¹8,000 mile. Founder khush the, kyunki investor call mein jab kisi ne unse "what if CAC doubles" pucha, unke paas answer tha within 10 seconds, apni hi spreadsheet mein toggle karke.
Aisi hi ek real earning story har hafte, seedhe WhatsApp pe.
Join KaroJo pattern samajh aaya, dheere dheere
Pehle mahine mein sirf ek client tha. Doosre mahine bhi ek. Teesre mahine mein zero. Us zero wale mahine mein laga ki maine galat direction pakad li hai.
Waise, actually poori baat ye nahi hai. Zero wale mahine mein maine outreach hi nahi ki thi, busy tha office ke quarter-end mein. Kaam khud nahi aata, maangna padta hai. Ye seekhna pada mujhe hard way se.
Chauthe mahine se maine ek rule banaya: har hafte 5 startups ko LinkedIn pe personally message karna, unke funding announcement dekh ke. "Congrats on the round, agar investor-ready model chahiye toh main bana sakta hoon" jaisa kuch. Response rate kam thi, shayad 1 mein se 12. Par jo reply karte the, unme se zyadatar convert ho jaate the.
Cap table wala kaam jo alag skill nikla
Ek client ko sirf cap table chahiye tha, koi projection nahi. ESOP pool, existing investors ka dilution, naye round ke baad kiska kitna percentage, ye sab. Maine socha simple hoga.
Nahi tha. Convertible notes, unka conversion trigger, aur different valuation caps ka maths, ye sab mila ke ek chhota sa nightmare ban gaya. 6 ghante laga sirf ek scenario ke liye, phir client ne 3 aur scenarios maang liye "what if" ke liye.
ā¹4,500 liye us cap table ke liye. Hourly hisaab lagau toh theek tha, par is kaam ne mujhe sikha diya ki cap table modelling apna alag niche hai. Ab main isko separate service ki tarah offer karta hoon, alag pricing ke saath.
Ek chhota sa paragraph, bas itna hi: is kaam mein har client ka cap table structure alag hota hai. Do same nahi milte kabhi.
Local CA firm wala rasta jo maine socha nahi tha
Ek CA, jo mere ek dost ka rishtedaar hai, unhone contact kiya. Unke paas ek client tha jisko bank loan ke liye 5-year projected financials chahiye the, aur unki firm itna detailed Excel work nahi karti thi in-house.
Ye kaam alag tha startup wale se, kyunki investor ko impress karna nahi tha, bank ko satisfy karna tha. Zyada conservative assumptions, zyada documentation ki zarurat, kam "story-telling."
ā¹6,500 mila us project ke liye, aur us CA ne mujhe do aur clients bheje uske baad. Ab mahine mein roughly ek CA-referred project aa jaata hai, alag flavor ka kaam hai par steady hai.
Ab tak ka hisaab
Pichhle 5 mahine ka average ā¹17,300 hai, job ke upar. Best mahina ā¹24,600 tha jab do startup models aur ek CA project ek saath aaye. Worst mahina, wahi zero wala, ā¹0.
Time investment: hafte mein 6-9 ghante, mostly Sunday aur ek weekday raat.
Sabse badi galti jo maine ki: ek startup ke liye model banaya without milestone payment. Poora kaam kiya, deliver kiya, aur founder ne 3 hafte tak reply nahi kiya. Aakhir mein paisa mila, par woh 3 hafte bahut stressful the. Ab har project mein 40% advance leta hoon, no exceptions.
Aur ek cheez jo koi nahi batata: founders apna khud ka number bhool jaate hain aksar. "Humara burn rate kya tha last month?" jaisa sawaal poochne pe silence milta hai. Isliye ab main pehle call mein hi ek checklist bhej deta hoon: ye 8 numbers chahiye honge, pehle se ready rakho.
Agla step Excel se aage badhke ek chhota SaaS tool banane ka soch raha hoon, jisse ye process thoda automate ho. Par abhi tak sirf sochne tak hi hai baat, actually banaya nahi
Aksar Pooche Jaane Wale Sawaal
Financial modelling freelancing mein kitna kama sakte hain?ā¼
Startup ka basic 3-statement model ā¹6,000-15,000 mein banta hai, complexity pe depend karta hai. Cap table aur ESOP modelling alag se ā¹3,000-5,000 leta hoon. Chhoti business ka budget template ā¹2,500-4,000 hai. Part-time karke mahine ka ā¹14,000-22,000 realistic hai job ke saath, mera 5 mahine ka average ā¹17,300 hai.
Financial modelling ke liye kya background chahiye?ā¼
Formal finance degree zaruri nahi, par Excel ki deep samajh aur accounting basics (P&L, balance sheet, cash flow kaise connect hote hain) chahiye. Main FP&A mein kaam karta hoon isliye ye roz ka kaam hi tha mere liye. CA articleship ya commerce background wale bhi jaldi seekh lete hain.
Freelance financial modelling ka kaam kahan milta hai?ā¼
Upwork pe 'financial model' aur 'startup financial projections' search karke genuine clients milte hain, mostly early-stage startups jinhe investor ke liye model chahiye. LinkedIn pe founders directly contact karna bhi kaam deta hai. Local CA firms bhi kabhi kabhi overflow work outsource karte hain.
Kya ye kaam investment advice dene jaisa hai?ā¼
Bilkul nahi, aur ye clear samajhna zaroori hai. Main client ke business ke liye planning spreadsheet banata hoon, unka apna revenue, unka apna cost structure. Main kisi ko kahin paisa lagane ki salah nahi deta, na kisi stock ya fund pe opinion deta hoon. Ye ek building/drafting service hai, advisory nahi.
Ek financial model banane mein kitna time lagta hai?ā¼
Simple 3-statement model with basic assumptions 8-11 ghante lete hain. Cap table ke saath complex SaaS model 18-20 ghante tak ja sakta hai, especially agar founder ko har iteration pe kuch naya assumption yaad aata rahe. Pehla wala mujhe 22 ghante laga tha kyunki template hi nahi tha mere paas.
Ram Ashare
Founder, Simple Kamai
2023 se online earning ke tarike personally try kar raha hoon ā freelancing, digital products, affiliate marketing aur zyada. Jo actually kaam kiya wohi yahan likhta hoon.
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