Draft · for your pick

The financial model on a phone — four ways to fix it

The model works on a laptop and falls apart on a phone. Below is what actually breaks, then four different ways to lay it out. Each one is drawn at the real width of your phone, with the real shape of the real tables. Pick one and I build it.

VIN Motors · design board · 21 August 2026 · illustrative figures, real layout

What breaks today

I opened the model on an iPhone-sized screen and measured every tab. Six things, in order of how much they hurt.

You can only see four months of a twelve-month plan. The projection is 24 lines deep and 12 months wide. Months five to twelve are off the right edge, so you side-scroll with one thumb while scrolling down with the other. table is 721px wide · screen is 390px
The third bike is off the screen. The per-bike table compares three models side by side. Two fit. The third is always hidden, so you never see the comparison the table exists to make. table is 419px wide · screen is 390px
The whole page slides sideways. On the Group tab the page itself drifts left and right as you scroll, so the page never sits still under your thumb. page width 430px in a 390px window
You cannot change a number with a finger. The monthly input boxes and their Apply buttons are 20 pixels tall. The comfortable minimum for a thumb is 44. You have to zoom in to hit them. 25 controls under 44px on eight of the eleven screens
Every screen is eight to ten phone-lengths long. The Group tab alone is 3,527 pixels. There is no way to jump; you scroll past everything to reach anything. longest screen: 3,527px ≈ 9 screens of scrolling
Half the screen is spent choosing where to go. Four tabs across the top, then seven step cards in a two-column grid, before a single figure appears. ~400px of chrome before the first number

One change all four share: the step chooser

Whichever layout you pick, the seven step cards go. They cost most of the first screen and they only ever do one job — move you between steps. They become a slim strip that stays at the top while you scroll, with a dot per step so you know where you are.

Now — 7 cards, ~330px tall

Step 1Market

Step 2Yield

Step 3Units

Step 4Community

Step 5Investor

Step 6Bike UE

Proposed — one strip, 48px tall, sticky

1 Market2 Yield3 Units 4 Community5 Inv…

Swipe the strip, or swipe the page sideways, to move a step. Gives back roughly 280px — most of a phone screen.

Answer first, table behind a tap

The screen opens with the conclusion. The twelve months become a list you scroll down, and each month opens up when you tap it.

Financial model

Group — year one

VisionRTODealershipGroup

Revenue · year 1

Rp 11.55B

Net cash · year 1

Rp 2.38B

Bikes financed

480

Bikes sold

480

Cash in the bank, month by month

M1M6M12

The twelve months

Net · cumulative

23.423 cum.

▾

Bikes financed40

Bikes sold40

Collections49.6

Investor funding625.7

Showroom sales695.2

Total in1,370.5

Total out1,347.1

Net · cumulative

76.099 cum.

›

Net · cumulative

103.6203 cum.

›

Net · cumulative

131.3334 cum.

›

Open the full table sideways→

drawn at 390px — the width of your phone

What you get

The answer is on the first screen. No scrolling to find out whether year one makes money.
Nothing is ever hidden off the right edge — every month is a full-width row you can tap.
The shape of the year is a picture, not twelve columns you have to read.

What you give up

Comparing one line across all twelve months needs the full table, one tap away.
Tapping twelve months open one at a time is slower than reading a row.

Best when

You are checking the plan, not rebuilding it — glancing on the road, or showing someone.

Build: medium

One month at a time — the table turned on its side

Pick a month at the top, and the whole 24-line breakdown reads down the screen. Swipe to the next month. Nothing is ever off the edge.

Financial model

Group — month by month

VisionRTODealershipGroup

M1M2M3M4M5Y1

← swipe for another month →

Volume · month 3

Bikes financed 40

Bikes sold 40

Showrooms open 1

Cash in · Rp mn

Collections 128.8

Investor funding 625.7

Showroom sales 695.2

Total in1,449.7

Cash out · Rp mn

Buying the bikes 695.2

Running the book 6.0

Finding drivers 17.2

Total out1,346.0

Net this month

+103.6

In the bank

203

drawn at 390px — the width of your phone

What you get

Every number gets the full width of the screen. Nothing is cut off, ever.
Money in and money out are separated and colour-coded, so the shape of a month reads in two seconds.
The little line beside each row shows where that line is heading across the year, so you keep the trend without the columns.
Every row is 46px tall — a comfortable tap, so editing a figure works with a thumb.

What you give up

You see one month at a time. Comparing March against September means two swipes.
Twelve months of a single line is a picture, not exact figures — exact needs the Y1 chip or the full table.

Best when

You want to actually read and edit the plan on a phone, not just glance at it.

Build: larger

Two columns, and you choose which two

It stays a table — but never wider than the screen. A chip row picks which two things sit side by side, and the difference is worked out for you.

Financial model

Per bike

VisionRTODealershipGroup

Model AvsModel Cchange ▾

Per unit	Model A	Model C
What it costs
Road price	17,380,000	22,000,000
Insurance	1,303,500	1,650,000
Total cost	18,683,500	23,650,000
What the driver pays
Deposit	250,000	250,000
Per day	50,000	65,000
Per month	1,100,000	1,430,000
Over 24 months	26,650,000	34,450,000
How it splits
To the investor	950,000	1,200,000
To us	0	80,000
Investor return	11.0%	10.9%
Our return	0.7%	4.6% ▲

drawn at 390px — the width of your phone

What you get

Closest to what is there now, so nothing you already know how to read changes.
Two columns is the most that fits honestly at this width, so it is never cut off.
The chips work for months too — "M1 vs M12", or "M6 vs year total".
The row that moved gets marked, so the comparison does the arithmetic for you.

What you give up

Three bikes side by side is gone on a phone. You compare in pairs.
Still a table — dense to read, and the twelve-month view still needs six pairs.

Best when

You want the least disruption and the fastest fix, and you mostly compare two things at a time anyway.

Build: smallest

Dials on the bottom, answers on the top

Stop treating the phone as a place to read a spreadsheet. The six numbers that actually drive the model become thumb-sized dials; the outcome moves as you drag.

Group — net cash, year one

Rp 2.38B

on Rp 11.55B of revenue

Bikes financed

480

Break-even

Capital needed

8.34B

The six numbers that move it

Bikes financed / month40

+10 → net cash Rp 2.71B

Paid per day by the driverRp 50,000

Length of the deal24 months

Bikes sold / showroom / month40

See all the detail tables→

drawn at 390px — the width of your phone

What you get

You can answer "what if we do sixty a month" in five seconds, standing up, one hand.
The dials are 46px — built for a thumb, not a mouse.
Each dial says what it does before you move it, so you learn the model by playing with it.
It is the version you would hand a partner or an investor to try themselves.

What you give up

The detail tables move one level down. This is a lens on the model, not the whole model.
Needs a decision from you: which six numbers earn a dial. I would propose them and you cut.

Best when

The phone's job is thinking and showing, and the laptop stays the place you build.

Build: largest

Which one?

Reply with the letter. They are not exclusive — B and D fit together well (B for reading the plan, D as the front screen), and C is the cheap version of B. My recommendation is in green.

A Answer first B One month at a time recommended C Two columns D Dials ? None of these — tell me what is wrong

Why B: it is the only one that fixes the actual cause rather than working around it. Every other option still has a table that is wider than the screen somewhere behind it. Turning the table on its side is the one move that makes a 24-line, 12-month plan fit a phone honestly — and it is the layout that also lets you edit on a phone, which none of the others do. If the budget is small, C first and B later; C is a step towards B, not away from it. Figures on this board are illustrative and the row names are generic, because this link opens with no login.