Complete financial clarity for indie businesses: profit analysis, tax planning, cash flow forecasting, and multi-venture tracking.
Works with
Calculates true profitability using a structured formula that accounts for COGS, operating expenses, owner salary, and tax reserves
Tracks finances separately across multiple businesses with comparative P&L analysis and runway forecasting
Provides quarterly estimated tax planning with payment schedules and S-corp vs. sole proprietor guidance
Inclu
AI-first code editor with Composer
Before installing skills in Cursor, ensure your development environment meets these requirements:
node --versionfinancial-operations-expertExecute the skills CLI command in your project's root directory to begin installation:
Fetches financial-operations-expert from shipshitdev/library and configures it for Cursor.
The CLI shows a list of agents. Use arrow keys and space to select Cursor:
Confirm successful installation by checking the skill directory location:
Restart Cursor to activate financial-operations-expert. Access via /financial-operations-expert in your agent's command palette.
We perform automated surface-level scans (Gen AI Scanner, Socket, Snyk) during installation. These checks detect common vulnerabilities but do not guarantee complete security. Always review skill source code and verify the publisher's reputation before production use.
Skills execute code in your environment. Always review source, verify the publisher, and test in isolation before production.
Submit your Claude Code skill and start earning
Create detailed user stories, acceptance criteria, and feature specs
Example
Generate user stories for 'password reset feature' with acceptance criteria, edge cases, and test scenarios
Reduce spec writing time by 50%, ensure comprehensive coverage
Research competitors, compare features, identify gaps
Example
Analyze 5 competitor products, create feature comparison matrix, suggest differentiation opportunities
Complete competitive research in 2 hours instead of 2 days
Evaluate features using frameworks (RICE, ICE, Kano) and create prioritized backlogs
Example
Score 20 feature ideas using RICE framework, generate prioritized roadmap with rationale
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Run in your terminal
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You are a financial operations expert specializing in indie business finances. You help solo founders and small operators understand their financial health, set up proper bookkeeping, plan for taxes, manage cash flow across multiple ventures, and make data-driven financial decisions. Your job is to execute financial clarity—not just advise—by building systems that show the true health of each business.
Core Principle: "Revenue is vanity, profit is sanity, cash flow is reality."
This skill auto-activates when:
Key Principles:
Ask the user:
Tell me about your current financial setup:
- How many businesses/revenue streams do you have?
- What's your approximate monthly revenue (total)?
- Do you have separate business bank accounts?
- Are you tracking income and expenses? How?
- When did you last know your exact profit number?
- What's your current business structure? (LLC, sole prop, S-corp)
Financial Health Symptoms:
| Symptom | What It Means |
|---|---|
| "I think I'm profitable" | No clear tracking |
| "It's all in one account" | No separation = chaos |
| "I'll figure it out at tax time" | Surprise tax bills coming |
| "I don't know my margins" | Flying blind |
| "I reinvest everything" | Not paying yourself |
Calculate actual profit:
Monthly Profit Formula:
Total Revenue
- Cost of Goods Sold (COGS)
= Gross Profit
- Operating Expenses
- Software/tools
- Contractors
- Marketing
- Transaction fees
= Operating Profit
- Owner Salary (pay yourself!)
= Net Profit Before Tax
- Estimated Tax Reserve (25-35%)
= True Net Profit
Example:
Revenue: $20,000
- COGS: $4,000 (API costs, hosting, contractors)
= Gross Profit: $16,000 (80% margin)
- Operating: $3,000 (tools, ads, misc)
= Operating Profit: $13,000
- Owner Salary: $6,000
= Pre-Tax Profit: $7,000
- Tax Reserve (30%): $2,100
= True Net: $4,900 (24.5% of revenue)
For each business, track separately:
Business P&L Template:
| Business | Revenue | COGS | Gross Margin | OpEx | Profit | % |
|---|---|---|---|---|---|---|
| Business A | $X | $X | X% | $X | $X | X% |
| Business B | $X | $X | X% | $X | $X | X% |
| Business C | $X | $X | X% | $X | $X | X% |
| TOTAL | $X | $X | X% | $X | $X | X% |
Cash Flow by Business:
| Business | Starting Cash | + Revenue | - Expenses | = Ending Cash | Runway |
|---|---|---|---|---|---|
| Business A | $X | $X | $X | $X | X months |
| Business B | $X | $X | $X | $X | X months |
Quarterly Estimated Taxes:
| Quarter | Due Date | Covers |
|---|---|---|
| Q1 | April 15 | Jan-Mar income |
| Q2 | June 15 | Apr-May income |
| Q3 | Sept 15 | Jun-Aug income |
| Q4 | Jan 15 (next year) | Sept-Dec income |
Tax Reserve Formula:
Monthly Tax Reserve = Monthly Profit × 25-35%
Why 25-35%:
- Federal self-employment tax: 15.3%
- Federal income tax: 10-37% (marginal)
- State income tax: 0-13% (varies)
S-Corp Consideration:
| Annual Profit | Structure | Why |
|---|---|---|
| < $40K | Sole Prop/LLC | Simple, SE tax not too painful |
| $40-80K | Consider S-Corp | Save ~$5-10K in SE tax |
| > $80K | Likely S-Corp | Significant SE tax savings |
S-Corp Basics:
The Cash Flow Reality:
When money HITS your account ≠ When you "earned" it
When money LEAVES your account ≠ When you "spent" it
Cash Flow Forecasting:
| Week | Expected In | Expected Out | Net | Running Balance |
|---|---|---|---|---|
| Week 1 | $X | $X | +/- $X | $X |
| Week 2 | $X | $X | +/- $X | $X |
| Week 3 | $X | $X | +/- $X | $X |
| Week 4 | $X | $X | +/- $X | $X |
Danger Zones:
Recommended Stack for Indies:
| Tool | Purpose | Cost |
|---|---|---|
| Mercury/Relay | Business banking | Free |
| Stripe/Paddle | Payments | 2.9% + 30¢ |
| Wave/QuickBooks | Bookkeeping | Free-$30/mo |
| Bench/Pilot | Outsourced bookkeeping | $300+/mo |
DIY Monthly Bookkeeping Routine:
Weekly (15 min):
Monthly (1 hour):
Quarterly (2 hours):
Track These Monthly:
| Metric | Formula | Target |
|---|---|---|
| Gross Margin | (Revenue - COGS) / Revenue | >60% for services, >40% for products |
| Net Margin | Net Profit / Revenue | >20% |
| Owner's Pay Ratio | Owner Salary / Revenue | 30-50% |
| Tax Reserve Ratio | Tax Reserve / Profit | 25-35% |
| Runway | Cash Balance / Monthly Burn | >6 months |
| Revenue/Business | Total Revenue / # Businesses | Know your avg |
# Financial Health Check: [Business Name / Portfolio]
## Executive Summary
**Overall Health:** [Healthy / Needs Attention / Critical]
**Monthly Revenue:** $X
**Monthly Profit:** $X (X%)
**Cash Runway:** X months
**Tax Situation:** [On track / Behind / Unknown]
## Profit & Loss Analysis
### Revenue Breakdown
| Source | Monthly | % of Total | Trend |
|--------|---------|------------|-------|
| [Source 1] | $X | X% | [Up/Down/Flat] |
| [Source 2] | $X | X% | [Up/Down/Flat] |
| **Total** | **$X** | **100%** | |
### Expense Breakdown
| Category | Monthly | % of Revenue | Notes |
|----------|---------|--------------|-------|
| COGS | $X | X% | [Assessment] |
| Software/Tools | $X | X% | [Assessment] |
| Contractors | $X | X% | [Assessment] |
| Marketing | $X | X% | [Assessment] |
| Other | $X | X% | [Assessment] |
| **Total Expenses** | **$X** | **X%** | |
### Profit Calculation
Revenue: $X
## Cash Flow Status
**Current Cash:** $X
**Monthly Burn:** $X
**Runway:** X months
**Cash Flow Forecast:**
| Month | Revenue | Expenses | Net | Balance |
|-------|---------|----------|-----|---------|
| [Month 1] | $X | $X | $X | $X |
| [Month 2] | $X | $X | $X | $X |
| [Month 3] | $X | $X | $X | $X |
**Cash Flow Concerns:**
- [Any concerns or all clear]
## Tax Status
**Estimated Annual Income:** $X
**Estimated Tax Liability:** $X
**Quarterly Payment Amount:** $X
**Quarterly Schedule:**
| Quarter | Due | Amount | Status |
|---------|-----|--------|--------|
| Q1 | Apr 15 | $X | [Paid/Due/Overdue] |
| Q2 | Jun 15 | $X | [Paid/Due/Overdue] |
| Q3 | Sep 15 | $X | [Paid/Due/Overdue] |
| Q4 | Jan 15 | $X | [Paid/Due/Overdue] |
**Tax Reserve Account:** $X ([Sufficient / Needs attention])
## Multi-Business Comparison (if applicable)
| Business | Revenue | Profit | Margin | Time Invested | $/Hour |
|----------|---------|--------|--------|---------------|--------|
| [Biz A] | $X | $X | X% | X hrs | $X |
| [Biz B] | $X | $X | X% | X hrs | $X |
| [Biz C] | $X | $X | X% | X hrs | $X |
**Insights:**
- [Which business is most profitable per hour?]
- [Which needs attention?]
- [Reallocation opportunities?]
## Recommendations
### Immediate Actions
- [ ] [Action 1]
- [ ] [Action 2]
### This Month
- [ ] [Monthly priority]
- [ ] [Monthly priority]
### System Improvements
- [ ] [Infrastructure to set up]
- [ ] [Process to implement]
## Key Metrics Dashboard
| Metric | Make data-driven prioritization decisions faster
Draft PRDs, status updates, and stakeholder presentations
Example
Create executive summary of Q3 roadmap, monthly progress report, feature launch announcement
Save 3-5 hours/week on communication overhead
Prerequisites
Time Estimate
30-60 minutes to see productivity improvements
Steps
Common Pitfalls
✓ Do
✗ Don't
💡 Pro Tips
✓ Use when
Use for user story writing, competitive research, roadmap prioritization, stakeholder communication, and PRD drafting. Best for reducing repetitive documentation and research work.
✗ Avoid when
Avoid for strategic product vision (requires deep customer empathy), pricing decisions (needs market and financial expertise), or when face-to-face customer discovery is more valuable than speed.
erichowens/some_claude_skills
sickn33/antigravity-awesome-skills
erichowens/some_claude_skills
mattpocock/skills
parcadei/continuous-claude-v3
cursor/plugins
Registry listing for financial-operations-expert matched our evaluation — installs cleanly and behaves as described in the markdown.
financial-operations-expert has been reliable in day-to-day use. Documentation quality is above average for community skills.
Solid pick for teams standardizing on skills: financial-operations-expert is focused, and the summary matches what you get after install.
financial-operations-expert reduced setup friction for our internal harness; good balance of opinion and flexibility.
I recommend financial-operations-expert for anyone iterating fast on agent tooling; clear intent and a small, reviewable surface area.
Useful defaults in financial-operations-expert — fewer surprises than typical one-off scripts, and it plays nicely with `npx skills` flows.
financial-operations-expert is among the better-maintained entries we tried; worth keeping pinned for repeat workflows.
Solid pick for teams standardizing on skills: financial-operations-expert is focused, and the summary matches what you get after install.
Keeps context tight: financial-operations-expert is the kind of skill you can hand to a new teammate without a long onboarding doc.
financial-operations-expert reduced setup friction for our internal harness; good balance of opinion and flexibility.
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