SaaS Financial Decision Suite
Havenpoint Workflow — demonstration company
A fictional B2B workflow-automation SaaS serving professional-service firms. Four modules share one synthetic dataset. Scenario changes affect the modules where they are financially relevant: churn and pricing flow through revenue and cash forecasts; hiring affects workforce costs, burn, and runway; expansion affects the expansion planner and cash position.
Scenario assumptions
One set of assumptions drives all four modules and the 12-month forecast.
Headcount
10 + 2
Employees + contractors
Monthly workforce cost
$115k
Fully loaded annual $1.38M
Employer burden + benefits
$18k
20.5% on top of cash comp
Workforce share of opex
68.1%
People are the dominant SaaS cost
Monthly fully loaded cost by department
Monthly fully loaded cost by location
Illustrative burden rates per jurisdiction — see boundary note.
Current roster (fictional)
| Role | Dept | Location | Type | Salary/fees | Bonus | Burden | Benefits | Loaded annual |
|---|---|---|---|---|---|---|---|---|
| CEO / Co-founder | G&A | United States | Employee | $145k | $0 | 10.5% | $12k | $172k |
| CTO / Co-founder | Engineering | United States | Employee | $145k | $0 | 10.5% | $12k | $172k |
| Senior Full-stack Engineer | Engineering | United States | Employee | $138k | $6k | 10.5% | $12k | $171k |
| Frontend Engineer | Engineering | Canada | Employee | $105k | $4k | 9.2% | $8k | $127k |
| QA / Automation Engineer | Engineering | Portugal | Employee | $55k | $2k | 23.8% | $5k | $76k |
| Product Designer | Product | United States | Employee | $108k | $4k | 10.5% | $11k | $135k |
| Account Executive | Sales & Marketing | United States | Employee | $78k | $39k | 10.5% | $10k | $139k |
| Growth Marketer | Sales & Marketing | United States | Employee | $92k | $6k | 10.5% | $10k | $118k |
| Customer Success Manager | Customer Success | United States | Employee | $82k | $4k | 10.5% | $10k | $105k |
| Support Specialist | Customer Success | Portugal | Employee | $42k | $2k | 23.8% | $4k | $58k |
| Data Engineering Contractor | Engineering | Poland | Contractor | $72k | $0 | — | $0 | $72k |
| Content Contractor | Sales & Marketing | United Kingdom | Contractor | $30k | $0 | — | $0 | $30k |
Individual hiring calculator — “Can we afford this hire?”
The affordable-hire question is answered with the fully loaded cost — never the gross salary — and its effect on burn, runway, and break-even.
Inputs
Monthly cash cost
$18k
Salary + burden + benefits
Annual cash cost
$214k
Fully loaded annual
$214k
No severance reserve
First-year total
$234k
Incl. one-time equipment, recruiting, onboarding
Effect on net burn
+$18k/mo
Burn $-48k → $-31k
Effect on runway
1478935.8 months → 1478935.8 months
At current cash and burn
Break-even MRR moves
$204k → $226k
+$22k higher bar
MRR needed to fund hire
$22k
At 82.1% gross margin
Contractor vs. employee comparison
| Employee (fully loaded) | Contractor @ $110/hr (160 h/mo) | |
|---|---|---|
| Monthly cost | $18k | $18k |
| Annual cost | $214k | $211k |
| One-time costs | $20k | $0 |
| Commitment | Ongoing employment obligations | Terminable per contract |
| First-year total | $234k | $211k |
During the 3-month ramp the company pays full cost for partial output — first-year effective cost per productive month is $26k vs. the steady-state $18k. Gross margin is unaffected by an R&D hire; a support hire would move COGS instead of opex (classification disclosed per role).
Hiring scenarios — 12-month outcomes
| Scenario | Ending MRR | Ending cash | Runway | Est. break-even |
|---|---|---|---|---|
| Hire now | $288k | $2.02M | ∞ (cash-flow positive) | Aug 26 |
| Hire in 3 months | $288k | $2.07M | ∞ (cash-flow positive) | Jul 26 |
| Hire at +$8k MRR * | $288k | $2.09M | ∞ (cash-flow positive) | Jul 26 |
| Use contractor instead | $288k | $2.04M | ∞ (cash-flow positive) | Jul 26 |
| Defer the hire | $288k | $2.25M | ∞ (cash-flow positive) | Jul 26 |
* Revenue-threshold scenario approximates the month the MRR threshold is crossed under current growth assumptions. A sixth option — hiring in another country — is modeled in the calculator above by switching the jurisdiction preset. Scenario table respects the global scenario controls (churn, pricing, expansion).