Agent skill

Financial Ratio Analyzer

개인 재무 건전성을 진단하는 재무 비율 분석 도구. An agent skill from revfactory/harness-100.

Apache-2.0Auto-check passed

Install Financial Ratio Analyzer

skills CLI

$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI

$ gh skill install revfactory/harness-100 financial-ratio-analyzer --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy

$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .claude/skills && cp -r skills-src/ko/78-personal-finance/.claude/skills/financial-ratio-analyzer .claude/skills/financial-ratio-analyzer && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Paste into Claude Code

Install the "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/ko/78-personal-finance/.claude/skills/financial-ratio-analyzer into .claude/skills/financial-ratio-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-ratio-analyzer", 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.

$skill-installer

$skill-installer install https://github.com/revfactory/harness-100/tree/main/ko/78-personal-finance/.claude/skills/financial-ratio-analyzer

Type this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.

skills CLI

$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a codex

Project install goes to .agents/skills/; add -g for ~/.codex/skills/.

GitHub CLI

$ gh skill install revfactory/harness-100 financial-ratio-analyzer --agent codex

Project scope by default (.agents/skills/); add --scope user for a personal install.

Manual copy

$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .agents/skills && cp -r skills-src/ko/78-personal-finance/.claude/skills/financial-ratio-analyzer .agents/skills/financial-ratio-analyzer && rm -rf skills-src

Use ~/.agents/skills/ instead of .agents/skills for a personal install.

Codex skills documentation · loads skills from .agents/skills/

Paste into Codex

Install the "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/ko/78-personal-finance/.claude/skills/financial-ratio-analyzer into .agents/skills/financial-ratio-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-ratio-analyzer", 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.

skills CLI

$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a cursor

Project install goes to .agents/skills/; add -g for ~/.cursor/skills/.

GitHub CLI

$ gh skill install revfactory/harness-100 financial-ratio-analyzer --agent cursor

Project scope by default (.agents/skills/); add --scope user for a personal install.

Manual copy

$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/ko/78-personal-finance/.claude/skills/financial-ratio-analyzer .cursor/skills/financial-ratio-analyzer && rm -rf skills-src

Use ~/.cursor/skills/ instead of .cursor/skills for a personal install.

Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/

Paste into Cursor

Install the "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/ko/78-personal-finance/.claude/skills/financial-ratio-analyzer into .cursor/skills/financial-ratio-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-ratio-analyzer", 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.

gemini skills install

$ gemini skills install https://github.com/revfactory/harness-100.git --path ko/78-personal-finance/.claude/skills/financial-ratio-analyzer

--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.

skills CLI

$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a gemini-cli

Project install goes to .agents/skills/; add -g for ~/.gemini/skills/.

GitHub CLI

$ gh skill install revfactory/harness-100 financial-ratio-analyzer --agent gemini-cli

Project scope by default (.agents/skills/); add --scope user for a personal install.

Manual copy

$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/ko/78-personal-finance/.claude/skills/financial-ratio-analyzer .gemini/skills/financial-ratio-analyzer && rm -rf skills-src

Use ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.

Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/

Paste into Gemini CLI

Install the "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/ko/78-personal-finance/.claude/skills/financial-ratio-analyzer into .gemini/skills/financial-ratio-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-ratio-analyzer", 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.

GitHub CLI

$ gh skill install revfactory/harness-100 financial-ratio-analyzer

Installs 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).

skills CLI

$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a github-copilot

Project install goes to .agents/skills/; add -g for ~/.copilot/skills/.

Manual copy

$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .github/skills && cp -r skills-src/ko/78-personal-finance/.claude/skills/financial-ratio-analyzer .github/skills/financial-ratio-analyzer && rm -rf skills-src

Use ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.

GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/

Paste into GitHub Copilot

Install the "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/ko/78-personal-finance/.claude/skills/financial-ratio-analyzer into .github/skills/financial-ratio-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-ratio-analyzer", 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.

skills CLI

$ npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a opencode

OpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.

GitHub CLI

$ gh skill install revfactory/harness-100 financial-ratio-analyzer --agent opencode

Project scope by default (.agents/skills/); add --scope user for a personal install.

Manual copy

$ git clone --depth 1 https://github.com/revfactory/harness-100.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/ko/78-personal-finance/.claude/skills/financial-ratio-analyzer .opencode/skills/financial-ratio-analyzer && rm -rf skills-src

Use ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.

OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/

Paste into OpenCode

Install the "financial-ratio-analyzer" agent skill from https://github.com/revfactory/harness-100/tree/main/ko/78-personal-finance/.claude/skills/financial-ratio-analyzer into .opencode/skills/financial-ratio-analyzer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "financial-ratio-analyzer", 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: financial-ratio-analyzer
GitHub stars: 1.3k
Token cost: ~675 tokens
SKILL.md length: 72 words
Files: 1
Skills in repo: 274
Repo updated: Mar 22, 2026
First seen: Oct 9, 2026
Licence: Apache-2.0

At a glance

개인 재무 건전성을 진단하는 재무 비율 분석 도구. An agent skill from revfactory/harness-100.

Works in 8 steps: 저축률 (Savings Rate) → 소비성향 (Consumption Ratio) → 비상자금 비율 (Emergency Fund) → …
SKILL.md covers 핵심 재무 비율 8종, 종합 재무 건전성 스코어, 재무 진단 보고서 출력 형식 and 참고
Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Financial Ratio Analyzer is an agent skill from revfactory/harness-100. 개인 재무 건전성을 진단하는 재무 비율 분석 도구. 'financial-analyst'와 'finance-reviewer' 에이전트가 재무 상태를 진단하고 수치를 검증할 때 이 스킬의 재무 비율 공식, 건전성 기준, 진단 프레임워크를 반드시 활용해야 한다. '재무 건전성 진단', '재무 비율 분석', '가계 재무 점검' 등에 사용한다. 단, 투자 전략이나 절세 방안은 이 스킬의 범위가 아니다.

Its SKILL.md is about 680 tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.

The licence is Apache-2.0.

Example prompts

“financial-analyst”
“finance-reviewer”
“/financial-ratio-analyzer”

Workflow steps

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

저축률 (Savings Rate)
소비성향 (Consumption Ratio)
비상자금 비율 (Emergency Fund)
부채비율 (Debt-to-Asset)
총부채상환비율 (DTI)
주거비 부담률 (Housing Cost Ratio)
보험 적정성 비율
투자자산 비율

What it can do on your machine

Read from SKILL.md and the folder at commit 8e8d35c. 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

Financial Ratio Analyzer loads about 675 tokens when it runs. Until then it costs about 62 tokens; SKILL.md has 72 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it: ~62
When it runs · the whole SKILL.md, loaded when a task matches: ~675

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 revfactory/harness-100 at commit 8e8d35c, republished under its Apache-2.0 licence (© revfactory). 72 words, ~675 tokens.

Download SKILL.mdSave it as .claude/skills/financial-ratio-analyzer/SKILL.md (or your agent's skills folder).

name: financial-ratio-analyzer
description: 개인 재무 건전성을 진단하는 재무 비율 분석 도구. 'financial-analyst'와 'finance-reviewer' 에이전트가 재무 상태를 진단하고 수치를 검증할 때 이 스킬의 재무 비율 공식, 건전성 기준, 진단 프레임워크를 반드시 활용해야 한다. '재무 건전성 진단', '재무 비율 분석', '가계 재무 점검' 등에 사용한다. 단, 투자 전략이나 절세 방안은 이 스킬의 범위가 아니다.

Financial Ratio Analyzer — 개인 재무 비율 분석기

개인/가구의 재무 건전성을 핵심 비율로 진단하고, 개선 방향을 제시한다.

핵심 재무 비율 8종

1. 저축률 (Savings Rate)

저축률 = (월 저축액 + 투자금) / 세후 월 소득 × 100

양호: 20%+    적정: 10-20%    위험: 10% 미만

세부 기준:
  20대: 15%+ (자산 형성기)
  30대: 20%+ (내 집 마련 준비)
  40대: 25%+ (교육비·은퇴 준비)
  50대: 30%+ (은퇴 집중)

2. 소비성향 (Consumption Ratio)

소비성향 = 월 소비 지출 / 세후 월 소득 × 100

양호: 60% 이하    적정: 60-80%    위험: 80% 초과

50/30/20 규칙:
  필수 지출(주거·식비·교통): 50% 이하
  선택 지출(여가·쇼핑): 30% 이하
  저축·투자·부채상환: 20% 이상

3. 비상자금 비율 (Emergency Fund)

비상자금 비율 = 유동자산 / 월 필수 지출

양호: 6개월+    적정: 3-6개월    위험: 3개월 미만

유동자산: 보통예금 + CMA + MMF (즉시 현금화 가능)
필수 지출: 주거비 + 식비 + 교통비 + 보험료 + 통신비 + 대출상환

4. 부채비율 (Debt-to-Asset)

부채비율 = 총 부채 / 총 자산 × 100

양호: 40% 이하    적정: 40-60%    위험: 60% 초과

포함 부채: 주택담보대출, 신용대출, 학자금, 카드론, 할부
포함 자산: 부동산, 금융자산, 퇴직금, 보증금 등

5. 총부채상환비율 (DTI)

DTI = 연간 부채 원리금 상환액 / 연 소득 × 100

양호: 30% 이하    적정: 30-40%    위험: 40% 초과

은행 대출 심사 기준:
  주택담보대출 DTI 한도: 40-60% (지역별)
  DSR(모든 대출): 40% 이내

6. 주거비 부담률 (Housing Cost Ratio)

주거비 부담률 = (월세 또는 대출이자+관리비) / 세후 월 소득 × 100

양호: 25% 이하    적정: 25-30%    위험: 30% 초과

포함 항목: 월세/대출이자, 관리비, 주거 보험
미포함: 원금 상환분 (자산 형성이므로)

7. 보험 적정성 비율

보험료 비율 = 월 보험료 합계 / 세후 월 소득 × 100

양호: 7-10%    과다: 15% 초과    부족: 5% 미만

권장 보장 범위:
  사망보험금: 연 소득 × 5-10배
  의료/실손: 필수
  3대 질병: 진단금 3,000만원+

8. 투자자산 비율

투자자산 비율 = (주식+펀드+ETF+채권) / 총 금융자산 × 100

권장 비율 = 100 - 나이 (%)
  25세: 75% 투자 / 25% 안전
  35세: 65% / 35%
  45세: 55% / 45%
  55세: 45% / 55%

종합 재무 건전성 스코어

종합 점수 = Σ(비율별 점수 × 가중치) / Σ(가중치)

비율별 점수:
  양호: 100점
  적정: 60점
  위험: 20점

가중치:
  저축률: 3.0
  비상자금: 2.5
  부채비율: 2.5
  DTI: 2.0
  소비성향: 1.5
  주거비: 1.5
  보험: 1.0
  투자: 1.0

등급:
  A(85+): 매우 건전 — 공격적 자산 형성 가능
  B(70-84): 건전 — 균형 잡힌 상태
  C(55-69): 보통 — 일부 개선 필요
  D(40-54): 취약 — 체계적 개선 필요
  F(40 미만): 위험 — 긴급 재무 구조조정

재무 진단 보고서 출력 형식

markdown

## 개인 재무 건전성 진단

**진단일**: [일자] | **종합 등급**: [A/B/C/D/F] | **점수**: [XX/100]

### 핵심 비율 대시보드
| 비율 | 현재값 | 기준 | 판정 | 개선 방향 |
|------|--------|------|------|----------|
| 저축률 | X% | 20%+ | 🟢/🟡/🔴 | - |
| 비상자금 | X개월 | 6개월+ | 🟢/🟡/🔴 | - |
| 부채비율 | X% | 40% 이하 | 🟢/🟡/🔴 | - |
| DTI | X% | 30% 이하 | 🟢/🟡/🔴 | - |

### 즉시 개선 필요 (🔴)
1. [항목]: 현재 X% → 목표 X% (개선 방법)

### 개선 권고 (🟡)
1. [항목]: 현재 X% → 목표 X%

### 양호 항목 (🟢)
1. [항목]: 기준 충족

참고

한국은행 가계금융복지조사, 금융감독원 기준 반영
상세 진단 모델: references/financial-diagnosis.md 참조

Files

Just SKILL.md in ko/78-personal-finance/.claude/skills/financial-ratio-analyzer of revfactory/harness-100.

Open the folder on GitHubat commit 8e8d35c

Compare with similar skills

Financial Ratio Analyzer 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.

Financial Ratio Analyzer compared with similar skills
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Creating Financial ModelsChen-zexi/open-ptc-agent	729	3 repos	~1.3k	Automated safety check: Pass	MIT	8 mo ago
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Job Application Managerreactive-resume/reactive-resume	44k	—	~13k	Automated safety check: Pass	MIT	yesterday

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Questions about Financial Ratio Analyzer

What does Financial Ratio Analyzer do?

개인 재무 건전성을 진단하는 재무 비율 분석 도구. An agent skill from revfactory/harness-100. Financial Ratio Analyzer is an agent skill from revfactory/harness-100. 개인 재무 건전성을 진단하는 재무 비율 분석 도구.

How do I install Financial Ratio Analyzer in Claude Code?

Run `npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a claude-code`. Or copy the skill folder (ko/78-personal-finance/.claude/skills/financial-ratio-analyzer in revfactory/harness-100) into .claude/skills/financial-ratio-analyzer in your project. Claude Code loads it when a task matches its description.

How do I install Financial Ratio Analyzer in Codex?

Run `npx skills add revfactory/harness-100 --skill financial-ratio-analyzer -a codex`. Or copy the skill folder (ko/78-personal-finance/.claude/skills/financial-ratio-analyzer in revfactory/harness-100) into .agents/skills/financial-ratio-analyzer in your project. Codex loads it when a task matches its description.

Can I use Financial Ratio Analyzer 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 revfactory/harness-100 --skill financial-ratio-analyzer -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/financial-ratio-analyzer, .gemini/skills/financial-ratio-analyzer, .github/skills/financial-ratio-analyzer and .opencode/skills/financial-ratio-analyzer in your project.

What does Financial Ratio Analyzer need to run?

SKILL.md names no scripts, command-line tools or credentials: Financial Ratio Analyzer is instructions for the agent only.

Does Financial Ratio Analyzer 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 Financial Ratio Analyzer 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 Financial Ratio Analyzer use?

Financial Ratio Analyzer is published under the Apache-2.0 licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Financial Ratio Analyzer use?

About 675 tokens (SKILL.md is roughly 2.7k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.

What are the alternatives to Financial Ratio Analyzer?

Skills that share tags, products or a category with Financial Ratio Analyzer: Markitdown (ImCa0/just-laws, 781 stars), Technical Analyst (tradermonty/claude-trading-skills, 3k stars), Creating Financial Models (Chen-zexi/open-ptc-agent, 729 stars) and Managing Google Workspace (taylorwilsdon/google_workspace_mcp, 3.3k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Financial Ratio Analyzer?

revfactory (a GitHub user) maintains it in revfactory/harness-100, which has 1,295 GitHub stars. The repository holds 274 skills in this directory. The repository was last updated on March 22, 2026.

Source: revfactory/harness-100 on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.

Install Financial Ratio Analyzer

Facts

At a glance

What it does

Example prompts

Workflow steps

What it can do on your machine

Tool permissions

Runs code

Network

Credentials

Context cost

Safety

SKILL.md

Financial Ratio Analyzer — 개인 재무 비율 분석기

핵심 재무 비율 8종

1. 저축률 (Savings Rate)

2. 소비성향 (Consumption Ratio)

3. 비상자금 비율 (Emergency Fund)

4. 부채비율 (Debt-to-Asset)

5. 총부채상환비율 (DTI)

6. 주거비 부담률 (Housing Cost Ratio)

7. 보험 적정성 비율

8. 투자자산 비율

종합 재무 건전성 스코어

재무 진단 보고서 출력 형식

참고

Files

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