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.
npx skills add cwinvestments/memstack --skill financial-modelgit clone --depth 1 https://github.com/cwinvestments/memstackWrote 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.
[](https://agentmods.dev/skills/cwinvestments/memstack/financial-model)<a href="https://agentmods.dev/skills/cwinvestments/memstack/financial-model"><img src="https://agentmods.dev/badge/skills/cwinvestments/memstack/financial-model/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.
<a href="https://agentmods.dev/skills/cwinvestments/memstack/financial-model"><img src="https://agentmods.dev/badge/skills/cwinvestments/memstack/financial-model.svg" alt="Reviewed on agentmods" width="80" height="20"></a>- NVIDIA SkillSpector pass
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 5.1 | $0.00071 | $0.02734 |
| Opus 5.5 | $0.00028 | $0.01094 |
| Sonnet 5.5 | $0.00014 | $0.00547 |
| Haiku 4.5 | $0.00007 | $0.00273 |
Grade A, and why
memstack-business-financial-model 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.
How it starts
The opening of the file, as written. The whole thing — 276 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Financial Model: Building financial projections...
Builds monthly revenue projections, expense forecasts, unit economics (CAC, LTV, payback), break-even analysis, cash flow tracking, and scenario modeling (best/base/worst).
Activation
When this skill activates, output:
Financial Model: Building financial projections...
Then execute the protocol below.
Context Guard
| Context | Status |
|---|---|
| User says "financial model", "projections", "revenue forecast" | ACTIVE |
| User mentions MRR, churn, CAC, LTV, runway, or break-even | ACTIVE |
| User wants to forecast revenue, expenses, or cash flow | ACTIVE |
| User wants to set pricing tiers | DORMANT: use Pricing Strategy |
| User wants to generate an invoice | DORMANT: use Invoice Generator |
Common Mistakes
| Mistake | Why It's Wrong |
|---|---|
| "Hockey stick revenue" | Realistic projections beat optimistic fantasies. Start conservative, model scenarios. |
| "Forget to model churn" | SaaS without churn modeling is fiction. Even 3% monthly churn compounds fast. |
| "Revenue only, no expenses" | Revenue without expenses is a dream. Model all costs to see actual profitability. |
| "One scenario only" | A single forecast is a guess. Model best/base/worst to understand the range. |
| "Skip unit economics" | If CAC > LTV, growth loses money. Unit economics tell you if the business model works. |
Protocol
Step 1: Gather Business Data
If the user hasn't provided details, ask:
- Business model: SaaS, e-commerce, service, marketplace, or other?
- Revenue streams: subscriptions, one-time sales, services, ads?
- Current numbers: existing revenue, customers, growth rate?
- Pricing: price points, tiers, average revenue per user?
- Costs: known fixed and variable costs?
- Funding: bootstrapped or funded? Current cash balance?
Step 2: Revenue Model
SaaS / Subscription revenue:
Month N Revenue = (Previous customers - Churned + New) × ARPU
Where:
- Previous customers: end of prior month
- Churned: Previous × monthly churn rate
- New: Acquired through marketing/sales
- ARPU: Average Revenue Per User (monthly)
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.
- 1mo ago Changed bb7e58fab5ba
- 1mo ago First seen · 276 lines · 71 tokens per session scan A e922e55b32f7
memstack-business-financial-model is a skill published in the GitHub repository cwinvestments/memstack (425 stars, last pushed today), licensed MIT. It adds 71 tokens to every session and 2,734 once invoked, about $0.0003 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 2026-08-30.
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