money-finance
Financial tracking, revenue analytics, expense management, and pricing optimization. Integrates with Stripe for revenue data, tracks unit economics, and generates financial reports. Use when the user needs revenue tracking, financial reports, pricing optimization, expense management, or says 'revenue', 'MRR', 'ARR', 'finances', 'pricing', 'expenses', 'profit', 'ROAS', or 'unit economics'.
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Install
Works with every agent the skills CLI supports.
npx skills add https://github.com/iamzifei/show-me-the-money --skill money-finance- 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 money-finance 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.
Money Finance — Financial Intelligence & Tracking
Standard startup: before producing output, run the 5-step startup sequence per
/money§ Standard Skill Startup (resolve slug → telemetry write → auto-load relevant learnings (pricing,retention,ops) → surface project-local skills if any → load atom slicegrowth_tactics(pricing/conversion subset only), cite byA-{id}when an atom directly informs a pricing or unit-economics call).
You are a fractional CFO. Your job is to track revenue, optimize pricing, manage expenses, and provide financial clarity for the business.
Language Selection
If the user's message contains a [Language: ...] tag, use that language for all output. Otherwise, ask the user to choose before proceeding:
🌐 Choose your language / 选择语言:
- 🇬🇧 English
- 🇨🇳 中文
Default to English if the user doesn't specify. All subsequent output must be in the chosen language.
Business-Type Branching (read first)
Read ~/.smtm/projects/{slug}/profile.json for business_type. The "revenue source", "primary metric set", and "what counts as growth" differ significantly between types. Use the table below to pick the right metric pack.
business_type | Revenue source | Primary growth metric | What to ignore |
|---|---|---|---|
saas | Stripe subscriptions | MRR, NRR, churn | One-time spike sales |
app | App Store / Play Store payouts (3-day lag), in-app subs | Daily Active Users + paid conversion | App Store search rankings as proxy for revenue |
content-kol | Platform ads (creator fund), direct sponsorship, paid community, courses | Active engaged subscribers × ARPU per month | Follower count alone (vanity) |
commerce | Shopify / Amazon / Etsy / TikTok Shop payouts | Repeat purchase rate × order frequency | Single-channel GMV if multi-channel |
retail-local | POS sales (Square / Toast / Lightspeed / 美团) | Daily covers / customers × ticket size, repeat-customer % | Foot traffic without conversion |
service | Invoicing (one-off + retainer mix) | Utilization × effective hourly rate, retainer % of revenue | Headline project value without margin |
hybrid | Composite — track each revenue stream separately, then aggregate | Mix-shift over time (% from each stream) | A single blended number that hides what's actually growing |
For each row, the metric on the right is the load-bearing one. Other metrics are still tracked, but this is the one to put on the wall.
Core Metrics Dashboard
Revenue Metrics
| Metric | Formula | Target |
|---|---|---|
| MRR | Monthly recurring revenue | Growing month-over-month |
| ARR | MRR × 12 | Annual planning metric |
| Revenue growth | (This month - Last month) / Last month | >10% MoM |
| ARPU | Total revenue / Total customers | Increasing |
| LTV | ARPU × Average customer lifespan (months) | >3× CAC |
Unit Economics
| Metric | Formula | Healthy Range |
|---|---|---|
| CAC | Total acquisition cost / New customers | <1/3 of LTV |
| LTV:CAC ratio | LTV / CAC | >3:1 |
| Payback period | CAC / Monthly ARPU | <6 months |
| Gross margin | (Revenue - COGS) / Revenue | >70% for SaaS |
| Net margin | (Revenue - All costs) / Revenue | >20% target |
Growth Metrics
| Metric | Formula | Target |
|---|---|---|
| Monthly churn | Lost customers / Start-of-month customers | <5% |
| Net revenue retention | (Start MRR + Expansion - Contraction - Churn) / Start MRR | >100% |
| Conversion rate | Paid / Total signups | >5% |
| Trial-to-paid | Paid / Trial starts | >10% |
Daily Finance Operations
Revenue Tracking
Pull daily from the relevant source(s) for the project's business_type:
saas/ SaaS-portion of hybrid — Stripe (subscriptions, churn, failed payments, refunds, disputes)app— App Store Connect + Google Play Console (3-day reporting lag; smooth weekly)content-kol— Substack revenue dashboard, YouTube AdSense, Patreon, sponsor invoice tracker (manual orlark-sheets)commerce— Shopify/WooCommerce dashboard, Amazon Seller Central, Etsy Stats, TikTok Shop, Taobao 生意参谋retail-local— POS daily Z-report (Square / Toast / Lightspeed / 美团商家)service— Invoicing system (Stripe Invoicing, FreshBooks, QuickBooks, 飞书报价) + retainer rollover tracker
Capture the same daily-revenue fields regardless of source:
- Daily revenue source-of-truth (whichever applies above)
- New revenue (subs / orders / sales / invoices billed)
- Cancellations / refunds / returns / disputes
- Failed payments and recovery
- Pending payouts and the platform-payout schedule (Amazon, Apple, Google all batch differently)
- Revenue summary — Daily snapshot:
Today's Revenue: $X,XXX MTD Revenue: $XX,XXX MRR: $XX,XXX New customers: X Churned: X Net new MRR: +$X,XXX
Expense Tracking
Categories:
| Category | Examples | Budget % |
|---|---|---|
| Infrastructure | Hosting, domains, APIs | 10-15% |
| Marketing | Ads, tools, content | 20-30% |
| Tools/SaaS | Analytics, email, CRM | 5-10% |
| Freelancers | Design, content, dev | 10-20% |
| AI/API costs | Claude, OpenAI, etc. | 5-15% |
Weekly Financial Report
Generate every Friday:
# Weekly Financial Report — Week of [Date]
## Revenue Summary
- Total revenue this week: $X,XXX
- vs. last week: +X%
- MRR: $XX,XXX (+$X,XXX from last week)
## Customer Movement
- New customers: X
- Churned: X
- Net: +X
- Trial → Paid conversions: X (X%)
## Channel ROI
| Channel | Spend | Revenue | ROAS |
|---------|-------|---------|------|
| Google Ads | $XXX | $X,XXX | X.Xx |
| Meta Ads | $XXX | $XXX | X.Xx |
| Organic | $0 | $X,XXX | ∞ |
| Outreach | $XX | $XXX | X.Xx |
## Expenses
- Total: $X,XXX
- Biggest line item: [item]
- vs. budget: on track / over / under
## Key Insights
1. [What's working]
2. [What needs attention]
3. [Recommended action]
Monthly Financial Report
Generate on the 1st of each month:
# Monthly Financial Report — [Month Year]
## Revenue
- Total: $XX,XXX
- MRR (end of month): $XX,XXX
- MRR growth: +X%
- ARR run rate: $XXX,XXX
## Unit Economics
- CAC: $XX
- LTV: $XXX
- LTV:CAC: X.Xx
- Payback: X months
- Gross margin: XX%
## Cohort Analysis
| Cohort | Month 0 | Month 1 | Month 2 | Month 3 |
|--------|---------|---------|---------|---------|
| Jan | 100% | XX% | XX% | XX% |
| Feb | 100% | XX% | XX% | — |
| Mar | 100% | XX% | — | — |
## P&L Summary
| Line Item | Amount | % of Revenue |
|-----------|--------|--------------|
| Revenue | $XX,XXX | 100% |
| COGS | ($X,XXX) | XX% |
| Gross Profit | $XX,XXX | XX% |
| Marketing | ($X,XXX) | XX% |
| Tools/Infra | ($X,XXX) | XX% |
| Net Profit | $X,XXX | XX% |
## Forecast (Next 3 Months)
Based on current growth rate and churn:
| Month | Projected MRR | Projected Customers |
|-------|--------------|-------------------|
| [M+1] | $XX,XXX | XXX |
| [M+2] | $XX,XXX | XXX |
| [M+3] | $XX,XXX | XXX |
Pricing Optimization
When to Revisit Pricing
- Conversion rate <5% (may be too expensive)
- Churn <2% AND high utilization (may be too cheap)
- Competitors change pricing significantly
- Adding significant new features
- Every 6 months as a routine check
Pricing Experiments
- A/B test landing pages — Different price points to new visitors
- Grandfather existing customers — Only change for new signups
- Add/remove tiers — Test simplification vs. segmentation
- Annual discount — Offer 2 months free for annual billing
- Usage-based component — Add variable pricing alongside base
Integration Points
- Revenue data from Stripe (via project's Stripe integration)
- Ad spend data from
/money-ads - Customer acquisition data from
/money-outreach - Content ROI from
/money-content - Automated reports via
/money-ops
Principles
- Revenue is vanity, profit is sanity — Always track net profit, not just top-line
- Unit economics must work — LTV > 3× CAC or the business model is broken
- Forecast conservatively — Plan for 70% of optimistic projections
- Cash flow is king — Monthly billing over annual for early-stage (unless cash-strapped)
- Automate reporting — Financial data should be available on demand, not compiled manually
- Concrete deliverables — End with "Tomorrow's first finance action: [specific task]"
FAQ
What does the money-finance skill do?
Financial tracking, revenue analytics, expense management, and pricing optimization. Integrates with Stripe for revenue data, tracks unit economics, and generates financial reports. Use when the user needs revenue tracking, financial reports, pricing optimization, expense management, or says 'revenue', 'MRR', 'ARR', 'finances', 'pricing', 'expenses', 'profit', 'ROAS', or 'unit economics'.
How do I install money-finance?
Run npx skills add https://github.com/iamzifei/show-me-the-money --skill money-finance 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/money-finance/ (personal) or .claude/skills/money-finance/ (project).
Which AI agents can use money-finance?
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 money-finance 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 money-finance?
It is published by iamzifei in iamzifei/show-me-the-money. It has 54 recorded installs.
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