Personal Cfo

What it does

When your agent uses it

• Model this scenario
• Rental forecast
• Monthly cash flow
• What if I rent out the ADU

Example prompts

• “/personal-cfo,”
• “model this scenario,”
• “house math,”
• “/personal-cfo”

Workflow steps

7 steps, taken from the step headings in SKILL.md.

1. 1Pick the scenario type
2. 2Gather inputs
3. 3Build the scenarios
4. 4Run the math
5. 5Output the comparison table
6. 6Archive
7. 7Surface + offer follow-ups

What it can do on your machine

Read from SKILL.md and the folder at commit cc31579. It shows what the files ask for, not the result of running them.

• Tool permissions

  Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

  From allowed-tools in the SKILL.md frontmatter.

• Runs code

  No scripts in the folder and no shell commands in SKILL.md (its code samples are markdown).

  From the folder's file list and the shell code blocks in SKILL.md.

• Network

  No URLs in SKILL.md.

  From URLs in SKILL.md, links to its own repository left out.

• Credentials

  Names no API keys, tokens, secrets or passwords.

  From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Personal Cfo loads about 2.3k tokens when it runs, and up to ~5.1k if it reads all its reference files. Until then it costs about 213 tokens; SKILL.md has 965 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it

~213

When it runs · the whole SKILL.md, loaded when a task matches

~2.3k

With references · SKILL.md plus every file in references/, read only if the agent opens them

~5.1k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from coreyhaines31/makerskills at commit cc31579, republished under its MIT licence (© coreyhaines31). 965 words, ~2,343 tokens.

name

personal-cfo

description

When you want to model personal financial scenarios — house purchase + rental income (ADU, bedroom rentals, house-hacking), renovation budgets, monthly cash flow, big-purchase decisions, savings/investment what-ifs for a household. Ships with a house scenario template; other scenarios (refi, car, education, retirement, side income) slot in as templates. Outputs markdown scenario comparison tables. Saves scenarios to ~/Documents/personal-cfo/ with an index in ~/.config/makerskills/personal-cfo/archive/. Composes with decide, deep-research (rental comps, rates), business-brainstorm, second-brain. Triggers on "/personal-cfo," "model this scenario," "house math," "rental forecast," "monthly cash flow," "what if I rent out the ADU," "compare these housing scenarios," "should we buy this house," "house-hack math," "renovation budget."

metadata.version

0.2.1

# <Property nickname> — scenario comparison

**Date:** YYYY-MM-DD
**Property:** <address or nickname>
**Time horizon:** 10 years
**Key assumptions:** 3%/yr appreciation, 7% S&P alt return, 6% vacancy

| Scenario | Net monthly cost | Annual cost | 10-yr total | Equity @ 10yr | Notes |
|---|---:|---:|---:|---:|---|
| Baseline | $X,XXX | $XX,XXX | $XXX,XXX | $XXX,XXX | No rental income |
| A: ADU | $X,XXX | $XX,XXX | $XXX,XXX | $XXX,XXX | $X,XXX/mo ADU rent |
| B: 1 BR | … | … | … | … | … |
| C: 2 BR | … | … | … | … | … |
| D: ADU + 1 BR | … | … | … | … | … |
| E: ADU + 2 BR | … | … | … | … | … |

## Headline takeaway
<1–2 sentences: which scenario wins on cash flow, which wins on lifestyle, where the inflection points are>

## Sensitivity analysis
- If rates rise 1%: <impact>
- If ADU rent comes in 20% lower: <impact>
- If renovations overrun 30%: <impact>
- If vacancy doubles to 12%: <impact>

## Open questions
- <what would change the recommendation>
- <what to research next — composes with /deep-research>

- 2026-06-26 — [<property nickname>](~/Documents/personal-cfo/<slug>-2026-06-26/) — <type> — <headline takeaway>

© coreyhaines31, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

SKILL.md and 2 other files (references) in skills/personal-cfo of coreyhaines31/makerskills.

• SKILL.md
• references/calculators.md
• references/templates/house.md

Open the folder on GitHubat commit cc31579