
personal-cfo
When you want to model personal financial scenarios — house purchase + rental income (ADU, bedroom rentals, house-hacking), renovation budgets, monthly cash flow, big-purchase decisions, savings/investment what-ifs for a household. Ships with a house scenario template; other scenarios (refi, car, education, retirement, side income) slot in as templates. Outputs markdown scenario comparison tables. Saves scenarios to /Documents/personal-cfo/ with an index in /.config/makerskills/personal-cfo/archive/. Not for company books or monthly reporting (that's company-cfo). Composes with decide, deep-research (rental comps, rates), business-brainstorm, second-brain. Triggers on "/personal-cfo," "model this scenario," "house math," "rental forecast," "monthly cash flow," "what if I rent out the ADU," "compare these housing scenarios," "should we buy this house," "house-hack math," "renovation budget."
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Install
Works with every agent the skills CLI supports.
npx skills add https://github.com/coreyhaines31/makerskills --skill personal-cfo- 01
Install
Run the command in your project. The CLI asks which agents to install for.
- 02
Describe the task
Ask your agent for something this skill covers. It loads personal-cfo automatically when relevant.
- 03
Review the result
The agent follows the SKILL.md steps, scripts and references bundled with the skill.
SKILL.md
The instructions your agent reads when the skill is triggered.
/personal-cfo — Personal financial scenario modeling
This skill is for a household (you + partner): housing decisions, monthly cash flow, big purchases, scenario what-ifs. Pair it with a business-books CFO skill if you also run one for a company — the DNA is the same, the domain is different.
Step 1 — Pick the scenario type
| Invocation | Type | What it models |
|---|---|---|
/personal-cfo house (default for now) | house | Buy a house + rental income scenarios (ADU / bedrooms / combinations) + renovations + monthly cash flow |
/personal-cfo refi | refi | Refinancing scenarios |
/personal-cfo cash-flow | cash-flow | Generic monthly cash flow (income, expenses, savings rate) |
/personal-cfo big-purchase | big-purchase | Should we buy X (car, education, equipment) — cash vs finance vs lease comparisons |
/personal-cfo side-income | side-income | Adding a side income stream — break-even, tax implications |
/personal-cfo savings-what-if | savings-what-if | What if we put $X into Y for N years — index funds, real estate, etc. |
For v0.1, only the house template is fleshed out. Others are sketched in references/templates/ as stubs.
Step 2 — Gather inputs
Ask in a structured batch. For house mode, see references/templates/house.md for the full input questionnaire. Core fields:
Property
- Purchase price
- Down payment (% or $)
- Mortgage rate + term (years)
- Property taxes (annual)
- HOA (monthly, if any)
- Homeowner's insurance (monthly)
- Closing costs (estimate)
Renovations / repairs
- Day-1 renovations (line items with estimates — kitchen, bath, ADU buildout, etc.)
- Year-1 expected repairs
- Annual maintenance budget (rule of thumb: 1% of purchase price)
Rental scenarios (for the house mode)
- ADU monthly rent estimate + vacancy assumption (typical: 5–8%)
- Bedroom 1 monthly rent + vacancy
- Bedroom 2 monthly rent + vacancy
- Utilities split assumption (who pays what)
- Property management cost (if not self-managing)
Personal
- Current monthly housing cost (rent or current mortgage)
- Combined household income
- Marginal tax bracket (for mortgage interest + rental income calcs)
- Time horizon for the analysis (typical: 5 yr, 10 yr, 30 yr)
If anything's fuzzy, ask. Don't proceed with placeholder numbers — financial models with wrong inputs are dangerous.
Step 3 — Build the scenarios
For the house mode, default scenarios to compare:
| Scenario | Description |
|---|---|
| Baseline | Own + live in, no rental income |
| A: ADU only | Rent the ADU, live in main house |
| B: 1 bedroom only | House-hack 1 bedroom, keep ADU empty (or for guests) |
| C: 2 bedrooms only | House-hack 2 bedrooms, ADU empty |
| D: ADU + 1 bedroom | Both ADU and 1 bedroom rented |
| E: ADU + 2 bedrooms | Maximum rental |
| F: ADU + bedrooms (year 2+) | Year 1: just ADU while renovating. Year 2+: add bedrooms after partner's comfort |
Let the user customize the scenario list — every house is different.
Step 4 — Run the math
For each scenario, calculate:
Monthly
- Mortgage payment (P&I) — see
references/calculators.mdfor the formula -
- Property tax / 12
-
- HOA + Insurance + Utilities (owner-paid portion)
- − Gross rental income (rooms + ADU)
- × (1 − vacancy rate) for effective rental income
- − Property management fee (if applicable)
- = Net monthly housing cost (negative = positive cash flow)
Annual
- Sum of 12 months
-
- One-time renovation costs (amortized over time horizon)
- − Tax savings (mortgage interest deduction + depreciation on rented portion)
Long-term
- Equity build-up (mortgage paydown + appreciation assumption — default 3%/yr)
- Total cost of ownership at year 5 / 10 / 30
- Return on cash invested vs. alternative (e.g., S&P 500 at 7% real return)
Step 5 — Output the comparison table
Output to ~/Documents/personal-cfo/<scenario-slug>-<YYYY-MM-DD>/:
inputs.yaml— all the input numbers (so the analysis is rerunnable + auditable)report.md— the full analysis with assumptions called outcomparison.md— side-by-side scenario table (the headline output)
comparison.md template
# <Property nickname> — scenario comparison
**Date:** YYYY-MM-DD
**Property:** <address or nickname>
**Time horizon:** 10 years
**Key assumptions:** 3%/yr appreciation, 7% S&P alt return, 6% vacancy
| Scenario | Net monthly cost | Annual cost | 10-yr total | Equity @ 10yr | Notes |
|---|---:|---:|---:|---:|---|
| Baseline | $X,XXX | $XX,XXX | $XXX,XXX | $XXX,XXX | No rental income |
| A: ADU | $X,XXX | $XX,XXX | $XXX,XXX | $XXX,XXX | $X,XXX/mo ADU rent |
| B: 1 BR | … | … | … | … | … |
| C: 2 BR | … | … | … | … | … |
| D: ADU + 1 BR | … | … | … | … | … |
| E: ADU + 2 BR | … | … | … | … | … |
## Headline takeaway
<1–2 sentences: which scenario wins on cash flow, which wins on lifestyle, where the inflection points are>
## Sensitivity analysis
- If rates rise 1%: <impact>
- If ADU rent comes in 20% lower: <impact>
- If renovations overrun 30%: <impact>
- If vacancy doubles to 12%: <impact>
## Open questions
- <what would change the recommendation>
- <what to research next — composes with /deep-research>
Step 6 — Archive
Save the scenario folder so future revisits work. The archive index lives in ${MAKERSKILLS_CONFIG:-$HOME/.config/makerskills}/personal-cfo/archive/ (create the directory if missing). Never write archives inside the skill's own folder — skill installs and upgrades re-sync from source and wipe anything saved there. Migration: if this skill's folder contains an old references/scenarios-archive/ with user entries, move those files into the archive directory first.
Append a one-liner to <archive dir>/INDEX.md (create if missing):
- 2026-06-26 — [<property nickname>](~/Documents/personal-cfo/<slug>-2026-06-26/) — <type> — <headline takeaway>
This compounds — when you're considering Property #2 a year later, you can reuse the model and grep past analyses for patterns.
Step 7 — Surface + offer follow-ups
- Show the comparison table in chat
- Tell the user the workdir path
- Offer:
- "Want to run
/deep-researchon rental comps for the area to firm up the ADU and bedroom rent assumptions?" - "Want to formalize the buy/don't-buy decision through
/decideonce the scenarios land?" - "Want to capture this analysis to
second-brain raw/asnote-house-<slug>.md?" - "Want me to revisit in 30 days as more info comes in (loan rate locked, inspection done, etc.)?"
- "Want to run
Composes with
decide— once scenarios are modeled, the buy / don't / negotiate decision goes through/decide. Cash flow analysis is input, not the decision itself.deep-research— for inputs that need market data: rental comps, mortgage rate trends, neighborhood trajectory, school ratings, comparable sales.business-brainstorm— if the scenario tips into "this is a business" (e.g., short-term rental, multi-unit purchase, scaling to N properties), route there to pressure-test the business angle.second-brain— capture analyses toraw/note-house-<slug>.mdso they live in the personal wiki and can be referenced later.
Notes on quality
- Conservative assumptions by default. Default to higher vacancy (8% not 5%), lower appreciation (3% not 6%), 20% buffer on renovation estimates. Real estate optimism is the most reliable way to lose money.
- Surface the sensitivity, not just the point estimate. A scenario that's positive only if everything goes right isn't actually positive.
- Lifestyle is a real variable. "Living with 2 roommates" can be financially optimal AND a quality-of-life disaster. Note these tradeoffs in the report, even if they aren't quantified.
- Tax calcs are starting points, not authoritative. This skill estimates; an accountant verifies. Flag this in the report.
- The decision isn't here — the inputs to the decision are. This skill produces the model.
/decidemakes the call.
Future templates (sketched in references/templates/)
refi.md— refinance scenarioscash-flow.md— generic monthly budgetbig-purchase.md— cash vs finance vs lease for big-ticket itemsside-income.md— adding a side income streamsavings-what-if.md— investment what-ifs
v0.1 ships only house.md fleshed out. Add others when the use case is real.
FAQ
What does the personal-cfo skill do?
When you want to model personal financial scenarios — house purchase + rental income (ADU, bedroom rentals, house-hacking), renovation budgets, monthly cash flow, big-purchase decisions, savings/investment what-ifs for a household. Ships with a house scenario template; other scenarios (refi, car, education, retirement, side income) slot in as templates. Outputs markdown scenario comparison tables. Saves scenarios to /Documents/personal-cfo/ with an index in /.config/makerskills/personal-cfo/archive/. Not for company books or monthly reporting (that's company-cfo). Composes with decide, deep-research (rental comps, rates), business-brainstorm, second-brain. Triggers on "/personal-cfo," "model this scenario," "house math," "rental forecast," "monthly cash flow," "what if I rent out the ADU," "compare these housing scenarios," "should we buy this house," "house-hack math," "renovation budget."
How do I install personal-cfo?
Run npx skills add https://github.com/coreyhaines31/makerskills --skill personal-cfo in your project. The skills CLI detects the agents you use and copies the skill into the right folder. For Claude Code you can also place the skill folder at ~/.claude/skills/personal-cfo/ (personal) or .claude/skills/personal-cfo/ (project).
Which AI agents can use personal-cfo?
Any agent that supports the open Agent Skills format (a folder with a SKILL.md file), including Claude Code, Codex, Cursor, GitHub Copilot, Gemini CLI, Windsurf, Cline, OpenCode and more.
Is personal-cfo safe to install?
No partner security audit is available yet. Skills can run commands and scripts, so read the SKILL.md and any bundled files before installing.
Who maintains personal-cfo?
It is published by coreyhaines31 in coreyhaines31/makerskills. It has 347 recorded installs.
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