Financial Modeling
cbrock84/headcount
Builds and stress-tests financial models for forecasting, scenario planning, and decision support — revenue build, cost structure, driver logic, and the sensitivities that show where a plan breaks.
Your AI CFO for bootstrapped startups, named after Charlie Munger who embodied the principle that capital discipline is a competitive advantage.
Install Charlie
$ npx skills add EveryInc/charlie-cfo-skill --skill charlie -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install EveryInc/charlie-cfo-skill charlie --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
Claude Code skills documentation · loads skills from .claude/skills/
Install the "charlie" agent skill from https://github.com/EveryInc/charlie-cfo-skill/tree/main into .claude/skills/charlie/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "charlie", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add EveryInc/charlie-cfo-skill --skill charlie -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install EveryInc/charlie-cfo-skill charlie --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "charlie" agent skill from https://github.com/EveryInc/charlie-cfo-skill/tree/main into .agents/skills/charlie/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "charlie", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add EveryInc/charlie-cfo-skill --skill charlie -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install EveryInc/charlie-cfo-skill charlie --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "charlie" agent skill from https://github.com/EveryInc/charlie-cfo-skill/tree/main into .cursor/skills/charlie/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "charlie", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add EveryInc/charlie-cfo-skill --skill charlie -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install EveryInc/charlie-cfo-skill charlie --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "charlie" agent skill from https://github.com/EveryInc/charlie-cfo-skill/tree/main into .gemini/skills/charlie/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "charlie", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install EveryInc/charlie-cfo-skill charlieInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add EveryInc/charlie-cfo-skill --skill charlie -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "charlie" agent skill from https://github.com/EveryInc/charlie-cfo-skill/tree/main into .github/skills/charlie/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "charlie", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add EveryInc/charlie-cfo-skill --skill charlie -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install EveryInc/charlie-cfo-skill charlie --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "charlie" agent skill from https://github.com/EveryInc/charlie-cfo-skill/tree/main into .opencode/skills/charlie/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "charlie", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
charlie- GitHub stars
- 324
- Token cost
- ~1.4k tokens
- SKILL.md length
- 566 words
- Files
- 5 (incl. references)
- Skills in repo
- 1
- Repo updated
- First seen
- Licence
- MIT
At a glance
Your AI CFO for bootstrapped startups, named after Charlie Munger who embodied the principle that capital discipline is a competitive advantage.
- Works in 4 steps: Will this hire directly contribute to… → What's the time-to-productivity? (Factor… → What else could this salary fund? → …
- Questions like should we make this hire?
- SKILL.md covers Core Mental Models, Cash Management Rules, Capital Allocation Framework and Working Capital Optimization, plus 5 more sections
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
What it does
Charlie is an agent skill from EveryInc/charlie-cfo-skill. Your AI CFO for bootstrapped startups, named after Charlie Munger who embodied the principle that capital discipline is a competitive advantage. Provides financial frameworks for cash management, runway calculations, unit economics (LTV:CAC), capital allocation, hiring ROI, burn rate analysis, working capital optimization, and forecasting. Use for questions like "should we make this hire?", "how much runway do we need?", "what metrics should I track?", "how do I forecast revenue?", or any strategic financial…
Its SKILL.md is about 1.4k tokens, which your agent loads only when the skill is triggered. The skill folder holds 5 other files, including reference files (for example `README.md`, `references/case-studies.md` and `references/metrics-benchmarks.md`).
It sits in Business, Finance & HR, covering Forecasting and time series and Financial modeling. The repository describes itself as: Claude Code skill for bootstrapped CFO financial management. Named after Charlie Munger. The licence is MIT.
When your agent uses it
- Questions like should we make this hire?
- How much runway do we need?
- What metrics should I track?
- How do I forecast revenue?
Example prompts
- “should we make this hire?”
- “how much runway do we need?”
- “what metrics should I track?”
- “/charlie”
Workflow steps
4 steps, taken from the first numbered list in SKILL.md.
- Will this hire directly contribute to revenue?
- What's the time-to-productivity? (Factor into ROI)
- What else could this salary fund?
- Does this make existing team more productive?
What it can do on your machine
Read from SKILL.md and the folder at commit 429f61b. 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.
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
Charlie loads about 1.4k tokens when it runs, and up to ~3.8k if it reads all its reference files. Until then it costs about 139 tokens; SKILL.md has 566 words of instructions outside code blocks.
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
Auto-check passed
The automated check found no risky patterns in SKILL.md.
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 EveryInc/charlie-cfo-skill at commit 429f61b, republished under its MIT licence (© EveryInc). 566 words, ~1,359 tokens.
Download SKILL.mdSave it as
.claude/skills/charlie/SKILL.md (or your agent's skills folder). This skill also uses 4 other files; get the full folder from GitHub.- name
- charlie
- description
- Your AI CFO for bootstrapped startups, named after Charlie Munger who embodied the principle that capital discipline is a competitive advantage. Provides financial frameworks for cash management, runway calculations, unit economics (LTV:CAC), capital allocation, hiring ROI, burn rate analysis, working capital optimization, and forecasting. Use for questions like "should we make this hire?", "how much runway do we need?", "what metrics should I track?", "how do I forecast revenue?", or any strategic financial decision at a self-funded company.
Charlie CFO: Bootstrapped Financial Management
Your AI CFO for bootstrapped, profitable companies. Named after Charlie Munger, who embodied the principle that capital discipline is a competitive advantage.
Core Mental Models
Profit is a constraint, not a goal. Bootstrapped companies succeed because capital constraints force better decisions. Every dollar has three costs: direct expenditure, opportunity cost, and runway impact.
Unit economics are survival requirements:
- LTV ≥ 3x CAC (best-in-class: 7-8x)
- CAC payback < 12 months (high performers: 5-7 months)
- Violating these creates a death spiral bootstrapped companies cannot survive
Revenue per employee is your efficiency scorecard:
- $110-150K at $1-5M ARR
- $200-250K at $10-50M ARR
- $400K+ at maturity
- Bootstrapped companies run 40-70% higher than VC-backed peers
Cash Management Rules
Runway targets:
- Minimum: 24-36 months
- Danger zone: <12 months (you've lost control)
- Never fundraise your way out of a cash crisis
Reserve structure:
| Reserve | Amount | Purpose |
|---|---|---|
| Operating | 3-6 months fixed costs | Payroll, rent, essential software |
| Contingency | 1-2 months expenses | Emergencies |
| Growth | Excess | Opportunistic investments |
Burn multiple = Net Burn ÷ Net New ARR
- <1x: Excellent
- 1-1.5x: Good
2x: Concerning
- Bootstrapped target: Zero or negative (profitable growth)
Capital Allocation Framework
Every investment question: What is the payback period? Target <12 months.
Rule of 40: Revenue Growth % + EBITDA Margin % ≥ 40%
- High growth path: 40% + 0%
- Balanced path: 20% + 20%
- Profit path: 10% + 30%
Hiring decisions:
- Will this hire directly contribute to revenue?
- What's the time-to-productivity? (Factor into ROI)
- What else could this salary fund?
- Does this make existing team more productive?
Never grow a department >50% at once — productivity drops to zero during training.
Working Capital Optimization
Cash Conversion Cycle (CCC): DIO + DSO - DPO
- SaaS target: Negative (-30 to -90 days)
- Every 10-day reduction frees significant working capital
AR discipline: Target 30-45 days DSO
- Reminder 7 days before due
- Follow up Day 1, 7, 14, 30 past due
AP strategy: Pay on due date, not early, unless discount > cost of capital
- 2% discount for 20 days early = 36.5% annualized return
- Negotiate Net 45-60 terms after proving reliability
Annual prepay: Offer 15-20% discount
- Produces 30% lower churn
- 27-40% higher LTV
- Customers finance your growth at 0% interest
Show full SKILL.md (215 more words)Show less
Financial Review Rhythms
Weekly (60-90 min):
- Cash position
- AR aging
- Pipeline movement
- Revenue/bookings
Monthly:
- Full close (target 5-7 business days)
- Variance analysis
- 12-18 month rolling forecast update
Quarterly:
- Strategic recalibration
- Scenario refresh (base/moderate/severe)
- 18-24 month outlook
Key Metrics Dashboard
| Category | Metrics | Targets |
|---|---|---|
| Revenue | MRR/ARR, growth rate, NRR | NRR >100%, growth 15-25% YoY |
| Unit economics | LTV:CAC, CAC payback, gross margin | 3:1+, <12 mo, 70-80% |
| Cash | Burn rate, runway, operating cash flow | Runway 24-36 months |
| Customer health | Churn, concentration | Monthly churn <2%, no customer >10% revenue |
Customer concentration warning: Any customer >10% revenue OR top 5 >25% revenue
Forecasting Approach
Use driver-based planning — models built on operational drivers (headcount, acquisition rate, churn), not static percentages.
MRR buildup model:
Starting MRR + New Bookings + Expansion - Churn = Ending MRR13-week cash flow forecast:
- Update every Monday
- Compare actuals to forecast weekly
- Cross-functional validation (sales confirms timing, ops verifies schedules)
Always maintain three scenarios:
- Base case: Expected trajectory
- Moderate downside: -15-20% revenue
- Severe downside: -30-40% revenue
For each: Calculate runway, define action thresholds (hiring freeze, cost cuts).
Spending Benchmarks ($3-5M ARR)
- Sales: 10-15% of ARR
- Marketing: 8-10% of ARR
- R&D: 25-30% of ARR
- Customer Success: 8-12% of ARR
- G&A: ~14% of ARR
- Total: ~95% (vs. 107% for VC-backed)
References
- See references/metrics-benchmarks.md for detailed metric calculations and industry benchmarks
- See references/case-studies.md for examples from Mailchimp, Zapier, Basecamp, ConvertKit, and Zoho
© EveryInc, 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 4 other files (references) in the repository root of EveryInc/charlie-cfo-skill.
- SKILL.md
- LICENSE
- README.md
- references/case-studies.md
- references/metrics-benchmarks.md
Open the folder on GitHubat commit 429f61b
Compare with similar skills
Charlie next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Charlie this skillEveryInc/charlie-cfo-skill | 324 | — | ~1.4k | Automated safety check: Pass | MIT | |
| Financial Modelingcbrock84/headcount | 2k | — | ~1.1k | Automated safety check: Pass | MIT | |
| SaaS Churn AnalysisLeoYeAI/openclaw-master-skills | 2.2k | — | ~5k | Automated safety check: Pass | MIT | |
| Chief Financial Officercbrock84/headcount | 2k | — | ~1.7k | Automated safety check: Pass | MIT | |
| Forecastingericrisco/rsc-harness | 174 | — | ~2.8k | Automated safety check: Pass | MIT | |
| Fin Modelingasgard-ai-platform/skills | 242 | — | ~1.4k | Automated safety check: Pass | MIT |
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Related
Categories
Questions about Charlie
What does Charlie do?
Your AI CFO for bootstrapped startups, named after Charlie Munger who embodied the principle that capital discipline is a competitive advantage. Charlie is an agent skill from EveryInc/charlie-cfo-skill. Your AI CFO for bootstrapped startups, named after Charlie Munger who embodied the principle that capital discipline is a competitive advantage.
When should I use Charlie?
Charlie fits situations like: questions like should we make this hire?; how much runway do we need?; what metrics should I track?; how do I forecast revenue?.
How do I install Charlie in Claude Code?
Run `npx skills add EveryInc/charlie-cfo-skill --skill charlie -a claude-code`. Or copy the skill folder (the EveryInc/charlie-cfo-skill repository) into .claude/skills/charlie in your project. Claude Code loads it when a task matches its description.
How do I install Charlie in Codex?
Run `npx skills add EveryInc/charlie-cfo-skill --skill charlie -a codex`. Or copy the skill folder (the EveryInc/charlie-cfo-skill repository) into .agents/skills/charlie in your project. Codex loads it when a task matches its description.
Can I use Charlie in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add EveryInc/charlie-cfo-skill --skill charlie -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/charlie, .gemini/skills/charlie, .github/skills/charlie and .opencode/skills/charlie in your project.
What does Charlie need to run?
SKILL.md names no scripts, command-line tools or credentials: Charlie is instructions for the agent only.
Does Charlie access the network?
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Is Charlie safe to install?
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.
What licence does Charlie use?
Charlie is published under the MIT licence (from the LICENSE file in the skill folder). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does Charlie use?
About 1.4k tokens (SKILL.md is roughly 5.4k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 2.5k tokens, read only when the agent opens those files.
What are the alternatives to Charlie?
Skills that share tags, products or a category with Charlie: Financial Modeling (cbrock84/headcount, 2k stars), SaaS Churn Analysis (LeoYeAI/openclaw-master-skills, 2.2k stars), Chief Financial Officer (cbrock84/headcount, 2k stars) and Forecasting (ericrisco/rsc-harness, 174 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Charlie?
EveryInc (a GitHub organization) maintains it in EveryInc/charlie-cfo-skill, which has 324 GitHub stars. The repository was last updated on January 29, 2026.
Source: EveryInc/charlie-cfo-skill on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.