An interactive experiment in money
You just sold
your startup for
$100 million.
Congratulations.
How much of it is actually yours?
A fictional company. Real arithmetic.
Change the terms. Inspect every calculation.
Each tile is about 1%. Exact amounts are in the calculation.
is only the beginning.
The terms. The timing. The risk.
A headline.
And a very different number.
Adjust the ownership and investor terms. Watch who gets paid. All amounts are in USD.
Fully diluted, including the team allocation.
More deal assumptions +
Assumed vested and already exercised. Other common holders own the balance.
A flat assumption, not a rate for any country or person.
Investors convert to common shares. That pays at least as much as their preference.
Compare participation terms
Founder ownership stays at 40%, with a $100m acquisition price. Changing participation produces a $9m difference in founder net proceeds.
Use these proceeds as the starting portfolio.
The day after.
Can your money move?
Compare assets available within 30 days with obligations due in the same period.
Illustrative allocations, not recommended portfolios.
Make your own allocation +
Cash is the balance. Reduce another asset to free up room.
Cash remaining: 3%
Hypothetical shocks, not forecasts. The initial rate of ₪3.60 per dollar is an assumption, not a live quote.
The rest is invested. Try a few events to see what can move when you need it.
$3.5m remains tied up. The snapshot is before payments.
Capital calls are cash needs, not assumed investment losses.
The insurance model uses a separate business balance sheet.
The unexpected.
And who pays for it.
Adjust a fictional cyber policy to see the insurer’s payment and the loss retained by the business.
More policy assumptions +
The fictional interruption lasts five days. Loss is spread evenly across those days.
Payment timing
The loss is due within 30 days. Choose when the modeled insurance payment arrives.
$800k of modeled insurance money arrives after the bills are due.
Business cash: $750k. This fictional business is separate from the personal portfolio above. Payment timing is an assumption, not a claims forecast.Take another look at the number.
The terms.
The timing.
What is actually yours?
Keep the inputs, results and calculation steps.
Try a different set of assumptions. See what changes.