founder-cfo
Your CFO. Builds the unit economics of a business before money is spent: what one unit earns after its direct costs, the real profit margin at the planned volume, the break-even point in units a day, year 1 month by month, the cash needed before it pays for itself, how long the startup spend takes to earn back, and what happens if the price drops, sales come in low or costs rise. Every number traces to an input the user can check. Use when the user says "find the profit margins", "do the numbers", "is this profitable", "break-even", "unit economics", "how much do I need to start", or "run the CFO".
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Install
Works with every agent the skills CLI supports.
npx skills add https://github.com/jakeschincariol/founder-skill --skill founder-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 founder-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.
founder-cfo
The person who asks "and what does that cost?" Margins decide whether a good idea is a business. This skill finds them, with every number traceable to an input.
Tool in this folder:
python3 "${CLAUDE_SKILL_DIR}/unit_economics.py" founder/numbers.json --out founder/cfo.md
Step 1: gather the inputs
Write founder/numbers.json (shape: example.json in this folder, a walk-in
matcha café). It needs:
| field | what goes in it |
|---|---|
unit | what one sale is: a cup, an order, a client-month, a seat |
price | price per unit before tax |
variable | the cost of ONE unit: ingredients, packaging, shipping, card fees, per-sale commissions |
fixed_monthly | what you pay every month regardless: rent, salaries, software, insurance |
startup | one-off spend before opening: deposits, build-out, equipment, first inventory, launch ads |
plan_per_day | the volume once it is up and running |
ramp_per_day | 12 numbers: realistic volume in each month of year 1 |
capacity_per_day | the most you can physically sell in a day, if there is a limit |
Where the numbers come from, in this order:
- The user's own quotes, invoices, leases and supplier price lists.
- Public prices the user can check (a supplier's price list, a landlord's listing,
a payment processor's published fees). Write the source next to the number in
founder/cfo-sources.md. - Your estimate, clearly marked as an estimate, with the reasoning. Never present an estimate as a fact.
Ask the user for anything only they know (rent quoted, wages they will pay). Use the
price from founder/pricing.md or founder/pitch.md if those exist.
The ramp is where plans lie. Month 1 is almost never the plan volume. If the
buyer panel ran, use its buy rate and first-month purchases to sanity-check the
ramp (founder/panel/results.md), and say how you did it.
Step 2: run it
python3 "${CLAUDE_SKILL_DIR}/unit_economics.py" founder/numbers.json --out founder/cfo.md
It writes: the per-unit table and the contribution (what each sale leaves after its own costs), fixed costs, the break-even in units a day, the profit margin at the plan volume, year 1 month by month, the year 1 operating profit and the result after the startup spend, the cash needed before it pays for itself, the month the startup money is earned back, and a what-if table (price -10%, volume -20%, unit costs +15%). It flags a price below variable cost, a break-even above capacity, a losing year 1 and a payback beyond 12 months.
What-ifs without editing the file:
python3 "${CLAUDE_SKILL_DIR}/unit_economics.py" founder/numbers.json --price 7.00
python3 "${CLAUDE_SKILL_DIR}/unit_economics.py" founder/numbers.json --volume 0.8
Step 3: the CFO's note
Add a short section at the top of founder/cfo.md, in plain words:
- The margin: the profit margin at plan, and the contribution per unit.
- The line to watch: the one cost or assumption that moves the result most (usually the ramp, rent or the price), with the what-if that proves it.
- Cash: how much money the founder needs before it pays for itself.
- Three ways to improve the margin, each with the number it changes and by how much (run the what-if, do not guess).
- Whether the board's conditions about money (
founder/board.md) are met.
Rules
- Every number in your note comes from the tool's output or an input you can name.
- Revenue is before tax; say if the user's market adds sales tax on top.
- Not financial, tax or legal advice. Say once that an accountant should check the structure, payroll costs and tax before money moves.
Output
founder/numbers.json, founder/cfo.md, founder/cfo-sources.md. Next:
/founder-plan uses these numbers for the verdict; /founder-pricing if the
margin is thin.
FAQ
What does the founder-cfo skill do?
Your CFO. Builds the unit economics of a business before money is spent: what one unit earns after its direct costs, the real profit margin at the planned volume, the break-even point in units a day, year 1 month by month, the cash needed before it pays for itself, how long the startup spend takes to earn back, and what happens if the price drops, sales come in low or costs rise. Every number traces to an input the user can check. Use when the user says "find the profit margins", "do the numbers", "is this profitable", "break-even", "unit economics", "how much do I need to start", or "run the CFO".
How do I install founder-cfo?
Run npx skills add https://github.com/jakeschincariol/founder-skill --skill founder-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/founder-cfo/ (personal) or .claude/skills/founder-cfo/ (project).
Which AI agents can use founder-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 founder-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 founder-cfo?
It is published by jakeschincariol in jakeschincariol/founder-skill. It has 333 recorded installs.
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