founder-finance

founder-finance is a skill for Claude Code, Codex from sanada123/openclaw-skills. It costs 178 tokens per session (3,868 once invoked), scanned A, original, MIT.

A guide to personal and business money decisions for bootstrapped or early-stage company founders. It covers cash flow, financial runway, taxes, invoices, pricing, pay, and the choice between raising money and self-funding.

In plain words
What is it for?
Use it for cash-flow forecasts, runway calculations, paying yourself, invoices, service pricing, emergency funds, and general tax-planning questions.
Why use it?
It helps founders handle finance without a chief financial officer or dedicated finance team. It separates general financial education from professional tax and legal advice.

Skill for Claude CodeCodex

Which agent this was written for is unclear — built for openclaw. Also seen: positional $N argument; mentions Codex; built for openclaw.

Good fit Use it for cash-flow forecasts, runway calculations, paying yourself, invoices, service pricing, emergency funds, and general tax-planning questions.

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Install with agentmods
npx agentmods add skills/sanada123/openclaw-skills/founder-finance
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.

Any agent
npx skills add sanada123/openclaw-skills --skill founder-finance
Clone the repo
git clone --depth 1 https://github.com/sanada123/openclaw-skills

Made for: Claude Code, Codex.

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 founder-finance

README.md
[![agentmods](https://agentmods.dev/badge/skills/sanada123/openclaw-skills/founder-finance/github.svg)](https://agentmods.dev/skills/sanada123/openclaw-skills/founder-finance)
Your own site
<a href="https://agentmods.dev/skills/sanada123/openclaw-skills/founder-finance"><img src="https://agentmods.dev/badge/skills/sanada123/openclaw-skills/founder-finance/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 founder-finance

Your own site · 80×15
<a href="https://agentmods.dev/skills/sanada123/openclaw-skills/founder-finance"><img src="https://agentmods.dev/badge/skills/sanada123/openclaw-skills/founder-finance.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 178 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 3,868 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 $0.00178 $0.03868
Opus 5 $0.00089 $0.01934
Sonnet 5 $0.00036 $0.00774
Haiku 4.5 $0.00018 $0.00387

Measured 11d ago against content hash 26e04dcc7ed8, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-11, from the pricing page.

Security

Grade A, and why

founder-finance 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 11d 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-finance/SKILL.md · 449 lines

How it starts

The opening of the file, as written. The whole thing — 449 lines — stays where its author put it; the contents beside it link to each section on GitHub.

Founder Finance

The money skill for founders who don't have a CFO.

Most finance advice is for either (a) personal budgeting or (b) VC-backed startups with a finance team. This skill is for the gap in between: founders running real businesses, handling their own money, and making financial decisions without a safety net.

Core Philosophy

CASH > REVENUE.      Revenue is vanity. Cash in bank is reality.
RUNWAY > GROWTH.     Know your runway before you chase growth.
SEPARATE ALWAYS.     Personal and business money = separate accounts. No exceptions.
SIMPLE > OPTIMAL.    A simple system you follow beats an optimal one you don't.
PROFESSIONAL HELP.   This skill is guidance, not tax/legal advice. Get an accountant.

⚠️ Disclaimer: This skill provides general financial education. It is NOT tax advice, legal advice, or a substitute for a licensed accountant or financial advisor. Tax laws change frequently and vary by jurisdiction. Always consult a professional for your specific situation.


When to Activate

  • Founder asks about paying themselves
  • Cash flow planning or forecasting
  • Runway calculation
  • Tax questions (general framework, not specific advice)
  • Invoice management
  • Pricing products or services
  • Bootstrap vs fundraising decisions
  • Financial red flags or cash crisis

When NOT to Use

  • Specific tax filing (need an accountant)
  • Investment advice (need a financial advisor)
  • Legal entity structure decisions (need a lawyer)
  • VC fundraising mechanics (different skill domain)

1. Paying Yourself — The Founder's Salary

The Rule

Pay yourself something. Always. Even if it's small. Founders who don't pay themselves make bad decisions because they're financially stressed.

How Much

Stage Revenue Pay Yourself Logic
Pre-revenue $0 Minimum survival Rent + food + basics. Nothing more.
Early ($1-5K/mo) $1-5K 30-40% of revenue Keep 60-70% in business for growth.
Growing ($5-20K/mo) $5-20K Fixed salary (~$3-5K) Set a number, stick to it. Don't fluctuate with revenue.
Established ($20K+/mo) $20K+ Market rate salary Pay yourself what you'd pay a CEO hire.

Read the full file on GitHub · 449 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. 11d ago First seen · 449 lines · 178 tokens per session scan A 26e04dcc7ed8

Subscribe to this mod's changes

founder-finance is a skill published in the GitHub repository sanada123/openclaw-skills (2 stars, last pushed 5mo ago), licensed MIT. It adds 178 tokens to every session and 3,868 once invoked, about $0.0009 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.