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 whawkinsiv/solo-founder-skills --skill financesgit clone --depth 1 https://github.com/whawkinsiv/solo-founder-skillsWrote 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/whawkinsiv/solo-founder-skills/finances)<a href="https://agentmods.dev/skills/whawkinsiv/solo-founder-skills/finances"><img src="https://agentmods.dev/badge/skills/whawkinsiv/solo-founder-skills/finances/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/whawkinsiv/solo-founder-skills/finances"><img src="https://agentmods.dev/badge/skills/whawkinsiv/solo-founder-skills/finances.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 | $0.00063 | $0.02208 |
| Opus 5 | $0.00032 | $0.01104 |
| Sonnet 5 | $0.00013 | $0.00442 |
| Haiku 4.5 | $0.00006 | $0.00221 |
Grade A, and why
finances 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 12d 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 — 268 lines — stays where its author put it; the contents beside it link to each section on GitHub.
SaaS Financial Modeling & Metrics
A SaaS business is a math machine. If you don't know your numbers, you're guessing. This skill makes unit economics legible — MRR, CAC, LTV, churn, burn rate — clear enough to make decisions, rigorous enough to be trusted.
Core Principles
- A SaaS business is a math machine. If you don't know your numbers, you're guessing.
- Unit economics tell the truth about your business long before your bank account does.
- The only financial model that matters for a solo founder is one that fits on a single spreadsheet and gets updated monthly.
- Revenue is vanity. Margin is sanity. Cash flow is reality.
- Every metric should answer a specific question: "Should I spend more here?" or "Is this working?"
The Quit Number
Before building anything, calculate what it takes to replace your income:
Monthly personal burn (after taxes):
Rent/mortgage: $______
Insurance: $______
Food/living: $______
Debt payments: $______
Everything else: $______
Safety buffer (20%): $______
= Monthly nut: $______
Required MRR to quit:
Monthly nut ÷ 0.70 = $______
(0.70 accounts for taxes, SaaS costs, and variance)
At your target price point ($X/mo):
Required MRR ÷ Price = customers needed
Timeline:
Customers needed ÷ realistic monthly growth rate = months to quit
Reality check: If you need 500+ customers at $29/mo to quit, that's an 18-36 month journey. Plan accordingly.
Personal Constraint Budget
Runway calculation:
Current savings available for this venture: $______
Monthly burn while building (no revenue): $______
Savings ÷ Monthly burn = months of runway: ______
Hard deadline: Date you MUST have revenue or go back to employment.
Startup costs (one-time):
Domain + hosting (year 1): $100-500
LLC formation: $50-500
Tools (analytics, email): $0-200/mo
Paid acquisition test: $500-1,000
Legal (if needed): $500-2,000
= Total launch cost: $______
Monthly operating costs (once live):
Hosting/infra: $______
SaaS tools: $______
Email service: $______
Payment fees: $______
= Monthly opex: $______
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.
- 12d ago First seen · 268 lines · 63 tokens per session scan A 15160a06636e
finances is a skill published in the GitHub repository whawkinsiv/solo-founder-skills (243 stars, last pushed 16d ago), licensed MIT. It adds 63 tokens to every session and 2,208 once invoked, about $0.0003 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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