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15 Comments

$0 revenue on two finance templates that took months to build right — what am I missing on distribution?

Not a success story, more of a "please poke holes in this" post.

I built two things:

  1. Startup Finance OS - a 36-month SaaS financial model. Full revenue bridge (new/expansion/churn), runway tied directly to your hiring plan (add a hire, watch the cash-out date move), and an investor dashboard with LTV:CAC, burn multiple, Rule of 40. The part I'm actually proud of: it auto-writes your monthly investor update paragraph from your own live numbers, so you're not staring at a blank doc every month.

  2. Small Business Profit & Tax Tracker - much simpler, built for Etsy sellers and freelancers who are winging their bookkeeping in their head. Auto P&L by category, a break-even/pricing calculator, and a tax set-aside estimate that updates every time you log a sale.

Both are real, working spreadsheets - live formulas, not screenshots, tested with actual data before I shipped them. Both are on Gumroad/Etsy. Combined sales so far: basically zero.

I know the instinct is "the product must be wrong," but the few people who've actually used them gave good feedback on the product itself. My honest read is I built these heads-down and never built any distribution alongside it - no audience, no waitlist, nothing. Apparently a very common mistake based on some of the case studies I've been reading here this week.

So, genuine question for anyone who's sold a template or tool product before: where did your first real 10 paying customers actually come from? Not the "we did content and it compounded" answer - the literal first ones, before there was anything to compound.

Links if useful context: https://thefinanceguru1.gumroad.com/l/startup-finance-os and https://www.etsy.com/listing/4581328562/etsy-seller-profit-tax-tracker-live

on September 24, 2026
  1. 1

    Months of build with $0 often means the product is clear to you and fuzzy to a stranger scrolling for 8 seconds. Before more distribution, I’d force a one-line “who this is not for” and put it in the listing/first comment. It sounds negative but it filters tire-kickers and makes the remaining buyers feel safer. Then pick one channel and one offer for 14 days (same title, same who-not-for, same CTA) so you can tell if the message is wrong vs the traffic is wrong. Shipping a third template usually doesn’t fix a distribution diagnosis.

  2. 1

    Built a Chrome extension, spent months on product, zero installs. Same trap — built first, audience never came. Our first 10 users came from one reply in a growing Threads conversation, not from the landing page. Distribution is the job, not an afterthought.

    1. 1

      "Distribution is the job, not an afterthought" is going on a sticky note. The Threads-reply detail is useful too - it wasn't a post you made, it was a reply inside someone else's conversation that already had an audience. That's basically the same thing three people in this thread are telling me: go where the question is already being asked, don't wait for people to come find my post.

  3. 1

    Good write-up. What would you do differently if you started again?

  4. 1

    Good write-up. What would you do differently if you started again?

  5. 1

    This is useful. How are you finding your first users so far?

  6. 1

    Honestly the products sound well built — the auto-written investor update from live numbers is a genuinely good hook. But "built first, audience later" is the pattern I recognize here because I did the same: spent months on a product, then discovered distribution is its own job. One thing that stands out: both templates are "for everyone" products. The Etsy/freelancer one could find its people in Etsy seller communities where bookkeeping panic is a weekly occurrence — that is where I would start before touching Gumroad SEO. Following to see what you try.

    1. 1

      That's the reframe I needed - "for everyone" is really "for no one" in terms of where to actually go find them. Taking this literally: I'm going to go look at Etsy seller Facebook groups and the r/EtsySellers-type communities for the tracker specifically, before spending any more time on generic Gumroad SEO. Appreciate you naming where you'd start, not just that audience-first matters.

  7. 1

    The Etsy seller tracker feels like the easier first win of the two, since that buyer is already on Etsy searching for exactly that, while someone buying a 36-month SaaS model usually wants to trust the builder first. Have you compared your listing title and first photo to what people actually type when they search for a tax or profit tracker? For spreadsheet listings, a thumbnail of the filled-in dashboard with real-looking numbers usually says more than a feature list. Also curious whether the few people who used them found you or you found them.

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      Honest answer: zero organic search buyers so far on either listing, everyone who's engaged has come from me showing up in a thread like this one, not from Etsy search finding me. So your point about the listing title/photo is well timed - I haven't optimized either against actual buyer search terms, I wrote them the way I'd describe the product, not the way someone frustrated at tax time would type a search. Going to go check what people actually search for a tax/profit tracker and rework the title and first photo around that instead of a feature list. Good catch.

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    Honest answer to the literal question, for template products specifically: the first 10 almost never come from an audience. They come from threads where someone is already asking the exact question your template answers, and you answer it well enough that the link is the obvious next step.

    For your two:

    Startup Finance OS: look for founders asking how to model runway against a hiring plan, or what goes in a monthly investor update. Those questions show up every week here, on r/startups and on Quora. Answer with a screenshot of the relevant tab. The auto-written investor update paragraph is the thing nobody else in those threads can offer, so lead with it.

    The profit and tax tracker: Etsy sellers ask how much to set aside for taxes constantly. Answer that one with actual numbers, and the tracker becomes the natural follow-up.

    Two traps worth knowing before you start. Many subreddits automatically filter posts from new or low karma accounts, so a post can look live to you and be invisible to everyone else (check it from a logged-out window). And many communities limit how often you can link your own thing. This guide lays out how those rules work, including how to spot a silently removed post: contentmation.com/marketing/reddit/reddit-self-promotion-rules?utm_source=indiehackers&utm_medium=social&utm_campaign=ih-first-10-customers

    1. 1

      The reframe of "answer where the question is already being asked" is the most concrete version of this advice I've gotten in this thread, thank you. Going to specifically watch for "how do I model runway against a hiring plan" and "what goes in an investor update" style questions and answer with a real example instead of a pitch. Skipping the linked guide since it's got UTM campaign params baked in pointing back to a marketing site, so treating that part as a plug rather than a source, but the core advice stands on its own.

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    Auto-writing the monthly investor update from live numbers is the standout feature. Leading with that one outcome might land better than the full feature list.

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      Agreed, and it's an easy fix I've just been slow to make - I buried it as bullet point 3 in a feature list instead of making it the headline. Rewriting the listing copy to lead with "stop staring at a blank doc every investor update" before anything else. Thanks for flagging it plainly instead of just upvoting and moving on.

  10. 1

    Love this angle. Building Xstream4K right now so this hits close to home — what made you look into it in the first place?