financial-plan-builderlisted

# Financial-plan-builder A spreadsheet that lives in version control. Reads a YAML config, emits a monthly cash projection with the numbers you actually need to make funding-vs-runway decisions. ## Disclaimer This skill produces numbers from a YAML config. It does not: - Advise on whether to raise capital. - Predict revenue. - Account for taxes (the skill emits a `[TAX]` flag wherever tax treatment matters; the operator/accountant fills in). - Model complex equity, debt, or warrant structures. - Replace an accountant or financial controller for material decisions (audited reports, tax filings, due diligence). If the YAML inputs are wrong, the output is wrong. The skill's value is consistency — the same config produces the same projection every time, so the operator can iterate on the inputs (what if I hire one engineer in month 4 instead of month 2?) without rebuilding the spreadsheet. ## Input — `finances/plan.yml` The skill reads `finances/plan.yml` at the repo root (or a path the operator passes). Example: ```yaml plan: name: 2026 H1 projection starting_balance_usd: 180000 # cash in bank on day 1 start_date: 2026-01-01 horizon_months: 12 revenue: # MRR streams. The skill compounds growth at the configured rate. - name: self-serve-saas starting_mrr_usd: 4500 # MRR at start_date monthly_growth_rate: 0.08 # 8% MoM cap_mrr_usd: 30000 # plateau cap - name: enterprise-contracts starting_mrr_usd: