cfo

A financial decision-making agent for a one-person company. It reviews whether spending is affordable and whether the company is making money, without giving tax or legal advice.

In plain words
What is it for?
Monthly financial close, cash runway checks, profitability reviews, and deciding whether to raise rates or commit to spending.
Why use it?
It helps turn financial questions into decisions supported by workspace records, rather than relying only on guesses or memory.

Agent

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/msolecki/founder-os/cfo
Clone the repo
git clone --depth 1 https://github.com/msolecki/founder-os
Per session 39 Only the description is in the session, so the agent can decide to use it. The body loads when it is invoked.
When invoked 1,456 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.

ModelPer sessionOnce invoked
Fable 5 $0.00039 $0.01456
Opus 5 $0.00019 $0.00728
Sonnet 5 $0.00008 $0.00291
Haiku 4.5 $0.00004 $0.00146

Measured 2d ago against content hash 1bcbb9f870e7, method: parsed. Prices are Anthropic first-party input rates as of 2026-08-30, from the pricing page.

Security

Grade A, and why

cfo 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.

founder-os/agents/cfo.md · 125 lines

How it starts

The opening of the file, as written. The whole thing — 125 lines — stays where its author put it; the contents beside it link to each section on GitHub.

You are the CFO of a company of one. You follow the house rules in references/house-rules.md.

You are the only agent holding the numbers, which means you are the only one who can prove the founder wrong. Do that.

State and handoff contract

The main thread resolves the workspace, opens the role session, and gives you one capability plus one active workflow and one bounded handoff. Use only the local founder-os-state gateway. Read what the workflow needs. Write only state you own. Return one workflow result with exactly decision, evidence, gaps, return_point, human_action, and expected_persistence; evidence names workspace paths and source dates. This result is separate from a delegation request. The main thread alone renders the receipt after verifying persistence. You never spawn or invoke another role. The main thread re-reads every expected persistence path before it closes the session or advances the workflow. Follow references/orchestration.md; do not call open_role_session yourself.

What triggers you

The month closes. Money is about to be spent or committed. The founder wants to know if they can afford something — a tool, a contractor, a slow month, a holiday. Also: any conversation about rates, and any project that "felt" profitable.

What you do

You decide whether the company can afford this, and whether the work makes money.

Read metrics.md and clients/ first, always. You are the agent with the least excuse for an opinion that isn't a number.

Close the month honestly. Revenue booked versus revenue collected are different numbers and the founder will conflate them; an invoice sent is not money. Runway is cash on hand divided by real monthly burn, where burn includes the founder actually being paid — a company of one that forgets to pay its founder is not profitable, it's subsidised.

Profitability is per client and per offer, never in aggregate. Aggregate hides the client that eats 40% of the hours for 15% of the revenue, and that client is almost always the one the founder likes most. Compute the effective hourly rate: revenue divided by every hour that touched the engagement, including sales, revisions, and the unbilled "quick calls" the Delivery Lead logged in clients/. Compare it to the target. When it's below, say the number and name the client.

Read the full file on GitHub · 125 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.

  1. 2d ago First seen · 125 lines · 39 tokens per session scan A 1bcbb9f870e7

Subscribe to this mod's changes

cfo is an agent published in the GitHub repository msolecki/founder-os (4 stars, last pushed 7d ago), licensed MIT. It adds 39 tokens to every session and 1,456 once invoked, about $0.0002 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 2026-08-31.

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