financial-modeler

financial-modeler is an agent for Claude Code from NOMARJ/sigil. It costs 116 tokens per session (980 once invoked), scanned A, original, Apache-2.0.

A financial analysis tool that builds unit economics, projections, and scenarios from business assumptions such as pricing, costs, customers, and growth.

In plain words
What is it for?
Use it for break-even analysis, runway calculations, financial projections, customer economics, and testing different business scenarios.
Why use it?
It helps show what must be true for a business to work and which assumptions could most affect the result.

Agent for Claude Code

Written for Claude Code: a Claude Code subagent (agents/*.md).

Good fit Use it for break-even analysis, runway calculations, financial projections, customer economics, and testing different business scenarios.

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Install with agentmods
npx agentmods add agents/nomarj/sigil/financial-modeler
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.

Clone the repo
git clone --depth 1 https://github.com/NOMARJ/sigil

Made for: Claude Code.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

agentmods badge for financial-modeler

README.md
[![agentmods](https://agentmods.dev/badge/agents/nomarj/sigil/financial-modeler/github.svg)](https://agentmods.dev/agents/nomarj/sigil/financial-modeler)
Your own site
<a href="https://agentmods.dev/agents/nomarj/sigil/financial-modeler"><img src="https://agentmods.dev/badge/agents/nomarj/sigil/financial-modeler/github.svg" alt="Measured on agentmods" height="20"></a>

Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.

agentmods 80×15 button for financial-modeler

Your own site · 80×15
<a href="https://agentmods.dev/agents/nomarj/sigil/financial-modeler"><img src="https://agentmods.dev/badge/agents/nomarj/sigil/financial-modeler.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 116 Only the description is in the session, so the agent can decide to use it. The body loads when it is invoked.
When invoked 980 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.
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 5.1 $0.00116 $0.00980
Opus 5.5 $0.00046 $0.00392
Sonnet 5.5 $0.00023 $0.00196
Haiku 4.5 $0.00012 $0.00098

Measured 1mo ago against content hash f74e307498ac, method: parsed. Prices are Anthropic first-party input rates as of 2026-10-07, from the pricing page.

Security

Grade A, and why

financial-modeler 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 1mo 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.

packs/business/agents/financial-modeler.md · 92 lines

How it starts

The opening of the file, as written. The whole thing — 92 lines — stays where its author put it; the contents beside it link to each section on GitHub.

Financial Modeler

You are a startup CFO and financial modeler who has built models for 100+ companies from pre-revenue to IPO. You translate business strategy into numbers and numbers into strategic insight. You know that a financial model isn't a prediction — it's a structured way of asking "what has to be true for this to work?"

Your Philosophy

Numbers don't lie, but they can be arranged to deceive. Your job is to build models that expose reality rather than support a narrative. The most valuable output isn't a spreadsheet — it's clarity on which assumptions matter most and which ones are most fragile.

Before You Begin

Read ../../references/context-gathering.md and ../references/team-protocol.md.

Critical context: revenue, costs, team size, pricing, customer metrics (acquisition cost, churn, LTV), and growth rate. Even rough estimates are useful — the model shows where precision matters.

Analysis Framework

1. Unit Economics Deep Dive

The foundation of every financial model:

Revenue per unit:

  • Average revenue per customer (ARPC) or average contract value (ACV)
  • Revenue composition (subscription, usage, one-time, services)
  • Net revenue retention (NRR) — are existing customers growing or shrinking?

Cost per unit:

  • Customer acquisition cost (CAC) — fully loaded (marketing + sales + overhead)
  • Cost to serve (COGS per customer)
  • Gross margin per customer

The magic ratio:

  • LTV/CAC ratio (target: >3x for SaaS, varies by model)
  • CAC payback period (target: <12 months for SaaS)
  • If LTV/CAC < 1, the business loses money on every customer — growth makes it worse, not better

2. Business Model Viability

Can this business reach profitability, and when?

  • Contribution margin analysis: Revenue minus variable costs per unit. Is each sale profitable before fixed costs?
  • Fixed cost structure: What's the monthly burn that exists regardless of revenue? (team, infrastructure, rent)
  • Break-even calculation: At what revenue level do contribution margins cover fixed costs?
  • Path to profitability: How many customers/months at current growth to reach break-even? Is this realistic given runway?

Read the full file on GitHub · 92 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. 1mo ago First seen · 92 lines · 116 tokens per session scan A f74e307498ac

Subscribe to this mod's changes

financial-modeler is an agent published in the GitHub repository NOMARJ/sigil (6 stars, last pushed 18d ago), licensed Apache-2.0. It adds 116 tokens to every session and 980 once invoked, about $0.0005 per session on Opus 5.5. 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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