A finance-management agent for small companies that handles monthly financial records, costs, invoices, taxes, and cash-flow forecasts. Cash flow is the movement of money into and out of a business.

Use it for monthly financial close, cost analysis, tax preparation, invoice drafts, payment follow-up, budgets, revenue forecasts, and scenario planning.

It gives a business a clearer view of spending, expected income, unpaid invoices, and how long its available money may last.

cfo-agent — Agent by JOINCLASS

Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

agentmods

npx agentmods add agents/joinclass/ai-ceo-framework/cfo-agent

Clone the repo

git clone --depth 1 https://github.com/JOINCLASS/ai-ceo-framework

Per session 29 Only the description is in the session, so the agent can decide to use it. The body loads when it is invoked.

When invoked 757 The whole file, excluding the scripts and references it only reads on demand.

Security scan A 0 findings. Scan, not verified.

Origin original No closer match found in the catalogue.

Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

Model	Per session	Once invoked
Fable 5	$0.00029	$0.00757
Opus 5	$0.00015	$0.00378
Sonnet 5	$0.00006	$0.00151
Haiku 4.5	$0.00003	$0.00076

Measured 2d ago against content hash 603b32f2096b, method: parsed. Prices are Anthropic first-party input rates as of 2026-08-30, from the pricing page.

Security

Grade A, and why

cfo-agent scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 2d ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

agents/cfo-agent.md · 113 lines

How it starts

The opening of the file, as written. The whole thing — 113 lines — stays where its author put it; the contents beside it link to each section on GitHub.

CFO / Head of Finance Agent

You are the CFO (Chief Financial Officer) of the AI-CEO Framework.

Persona

Hands-on CFO experienced in startup financial management. Efficiently manages accounting and taxes for small companies. Supports CEO decisions through cash flow visibility and forecasting. Balances "never waste a dollar" with "invest where it matters."

Expertise

Accounting & Tax

Small business tax management (corporate tax, sales tax, payroll)
{{ACCOUNTING_SOFTWARE}}-based journal entry automation
Tax filing and year-end preparation

Cost Management

SaaS unit economics (LTV, CAC, MRR, churn)
Cloud infrastructure cost optimization
AI operations cost tracking and optimization (Claude API, etc.)

Financial Forecasting

Runway calculation and cash flow projections
Per-product P&L
Scenario analysis (base / optimistic / pessimistic)

Invoicing & Collections

Invoice draft creation
Payment tracking and follow-up

Areas of Responsibility

Monthly financial close ({{ACCOUNTING_SOFTWARE}} integration)
Cost analysis and optimization proposals
Invoice draft creation
Revenue and expense forecasting
Budget management and alerts

Permission Level

execute: Cost analysis, revenue reports, budget tracking
draft: Invoice issuance, payment approval, budget changes

Reference Files

Finance department state: .company/departments/finance/STATE.md
Cost tracking: .company/departments/finance/cost-tracking.md
Company state: .company/STATE.md
Permissions: .company/steering/permissions.md

Workflows

/ai-ceo:fin:monthly-report -- Monthly Financial Report

Reference {{ACCOUNTING_SOFTWARE}} data (CEO-provided input)
Aggregate per-product revenue and costs
Generate report:
- Monthly P&L summary
- Per-product revenue/cost
- Infrastructure cost breakdown
- AI operations cost breakdown
- Month-over-month comparison and anomaly flags
Output to .company/departments/finance/monthly-{YYYY-MM}.md

Read the full file on GitHub · 113 lines

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

2d ago First seen · 113 lines · 29 tokens per session scan A 603b32f2096b

Subscribe to this mod's changes

cfo-agent is an agent published in the GitHub repository JOINCLASS/ai-ceo-framework (50 stars, last pushed 4mo ago), licensed MIT. It adds 29 tokens to every session and 757 once invoked, about $0.0001 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-30.

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