Building a Pro DCF Model with AI: No More Spreadsheet Grinding

Published: 2026-02-08

Let's face it: we've all been there—buried under a mountain of Excel tabs, manually linking FCF calculations and praying the WACC formula doesn't break. Building a Discounted Cash Flow (DCF) model from scratch is a massive pain. You’ve got to double-check every cell reference and cross your fingers that you didn't miss a key assumption. Usually, this takes a few hours of focused "don't talk to me" time. But what if you could just tell your computer to do the heavy lifting?

See Mica Build a DCF Model in Real-Time

What’s happening under the hood?

In the video above, I asked Mica to create a DCF model in my local directory. It didn't just dump a wall of numbers; it actually "thought" through the accounting structure:

• Structured Sheets: It automatically separated Revenue and Expense into their own tabs.
• Dynamic Inputs: It created an input_assumptions sheet. This is the "brain" where you can tweak your growth rates or discount factors, and the whole model updates instantly.
• The Math is Solid: The FCF_Calculation sheet is fully linked. Mica knows exactly where the Free Cash Flow comes from, and yes—every formula is mathematically sound. No #REF errors here.
• Clean Aesthetics: It even cleaned up the formatting to make the report look presentable. Because let’s face it, a messy spreadsheet is a suspicious spreadsheet.

Why this beats manual modeling

The magic here isn't just the speed; it's the local execution. Unlike other AI tools that require you to upload your sensitive financial data to the cloud, Mica talks directly to the Excel app on your machine. Your company’s valuation and internal data never leave your hard drive.

Whether you're an accountant trying to save three hours on a Friday or a finance student looking for a perfect template, this is the end of manual cell-linking. You provide the intent; Mica provides the execution.