Quick Answer

Maybe is a financial modeling and forecasting tool designed for founders who hate spreadsheets. Founded by Josh Pigford (creator of Baremetrics), it connects directly to your accounting software (like QuickBooks) and lets you model future scenarios using natural language. Key features include plain English modeling, instant "what-if" scenarios, and one-click QuickBooks sync. Pricing is $50/month flat rate with a free trial. Verdict: If you are a founder who spends more time fixing your financial model than using it, Maybe is built for you. It bridges the gap between back-of-the-napkin math and enterprise-grade FP&A. While power users (like CFOs) might miss the raw flexibility of Excel, most founders will trade that complexity for the speed and clarity Maybe provides. It allows you to sleep better knowing exactly how long your runway lasts, in plain English.

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Maybe Review: The No-Code Financial Modeling Tool for Modern Founders

Every founder knows the pain of "Model_v12_FINAL_revised.xlsx." You spend hours wrestling with formulas, broken cell references, and massive spreadsheets just to answer a simple question: "Can we afford to hire another engineer next month?"

Financial Planning and Analysis (FP&A) has traditionally been the domain of expensive CFOs or time-consuming Excel sheets. But Maybe claims to change that.

Promising "No SQL, No spreadsheets, No formulas," Maybe positions itself as the modern operating system for your business finances. By allowing you to query your data in plain English, it aims to replace the "spreadsheet fatigue" with instant, actionable clarity.

In this review, we'll analyze if Maybe is the financial crystal ball your startup needs-or if you're better off sticking to Google Sheets.

What is Maybe?

Maybe is a financial modeling and forecasting tool designed for founders who hate spreadsheets. Instead of forcing you to build complex models row-by-row, Maybe connects directly to your accounting software (like QuickBooks) and lets you model future scenarios using natural language.

The core promise is speed and simplicity. You don't need to be a finance wizard to use it. You simply ask questions or toggle scenarios, like "What happens if revenue drops 10%?" or "What if we hire 2 salespeople?"-and the software instantly visualizes the impact on your cash flow.

(Note: As Maybe is in active early access, the interface focuses on clean, data-rich visualizations rather than endless spreadsheet rows.)

The Founder

When choosing a financial tool, the philosophy of the founder matters. Maybe it was built by Josh Pigford, a serial entrepreneur best known for founding Baremetrics.

Pigford has a proven track record of simplifying complex financial data. At Baremetrics, he revolutionized how SaaS companies tracked MRR and Churn. Maybe he is applying that same "radical simplicity" to the broader world of business and financial planning. His experience gives the platform instant credibility-he understands exactly what metrics keep founders up at night because he has been there himself.

Key Features

Maybe strips away the bloat of traditional enterprise FP&A software. Its feature set is laser-focused on clarity:

• Plain English Modeling: Forget complex Excel formulas like =SUMIF(VLOOKUP(...)). With Maybe, you interact with your finances using simple language. It lowers the barrier to entry, allowing non-finance team members to understand the runway and budget.
• Instant "What-If" Scenarios: This is the killer feature. You can create multiple futures for your business in seconds. Want to see the impact of raising prices by 5% vs. cutting marketing spend? Maybe model these scenarios side-by-side so you can make decisions based on data, not gut feeling.
• One-Click QuickBooks Sync: Manual data entry is the enemy of accuracy. Maybe integrates seamlessly with QuickBooks, pulling in your historical data to generate baseline forecasts automatically. This ensures your projections are always based on the reality of your bank account.

Pricing

Maybe keeps its pricing as simple as its interface.

• Trial: Free trial to connect your data and see the value.
• Subscription: $50/month flat rate.

This pricing is aggressive compared to enterprise tools like Mosaic or Finmark, which often charge hundreds or thousands of dollars a month. For early-stage startups, $50/mo is a "no-brainer" investment for financial clarity.

Competitors & Alternatives

While Maybe offers a unique "no-code" approach, it isn't the only tool in the shed:

1. Excel / Google Sheets: The default competitor. It's free and infinitely customizable, but prone to human error. Studies show nearly 88% of spreadsheets contain errors-a risk you can't afford with your runway.
2. Finmark: A robust financial modeling tool for startups. It offers more granular control than Maybe, but comes with a steeper learning curve and a higher price tag.
3. Pry (acquired by Brex): excellent for detailed hiring plans and financial modeling, but can feel overwhelming for smaller teams who just want a quick "pulse check" on their future.

The Verdict

If you are a founder who spends more time fixing your financial model than using it, Maybe is built for you.

It bridges the gap between back-of-the-napkin math and enterprise-grade FP&A. While power users (like CFOs) might miss the raw flexibility of Excel, most founders will trade that complexity for the speed and clarity Maybe provides. It allows you to sleep better knowing exactly how long your runway lasts, in plain English.

You've Forecasted Your Growth. Now Protect It.

Maybe gives you the clarity to plan your revenue growth. You know exactly how many customers you need to hit your targets.

But there is a hidden leak in that forecast that most models miss: Revenue lost to Fraud and Disputes.

As you scale your SaaS, you will inevitably face "friendly fraud"-customers who subscribe, use your service, and then file a chargeback to get their money back. A single dispute costs you the subscription value plus a $15-$25 penalty fee.

This is where you need 1Capture.

Stop the Leaks with 1Capture

• Stripe Partner: We integrate natively with your payment processor to detect threats in real-time.
• Block "Serial Disputers": We maintain a global database of refund abusers. If a known fraudster tries to sign up for your SaaS, 1Capture blocks the transaction before it ever hits your books.
• Smart Charge Technology: Our proprietary Smart Charge system pre-authorizes transactions to verify funds and intent, drastically reducing failed payments and disputes.
• 3.7x Revenue Recovery: Companies using 1Capture see a massive ROI by preventing the revenue leakage that kills growth models.

You can set up 1Capture in just 5 minutes. It's the perfect insurance policy for the financial future you just modeled in Maybe. Protect your revenue with 1Capture or learn more at the 1Capture Blog.