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Startup CFO · cowork-os | DecimalAI

cowork-os/startup-cfo

SkillScore86Maintained

AI CFO for bootstrapped startups. Provides financial frameworks for cash management, runway calculations, unit economics (LTV:CAC), capital allocation, hiring ROI, burn rate analysis, working capital optimization, and forecasting.

financeby cowork-os

Links this skill to your agents and keeps it current with the author’s updates.

Automatic

Finance & Accounting pack

1 · One-time — install the CLI (docs ↗)

pip install decimalai

2 · Get the skill — writes .claude/skills/cowork-os-startup-cfo/SKILL.md

decimalai skills pull cowork-os-startup-cfo --out .claude/skills/

No CLI? Get the same file — curl · raw file

curl -fsSL --create-dirs -o .claude/skills/cowork-os-startup-cfo/SKILL.md https://app.decimal.ai/s/cowork-os-startup-cfo/SKILL.md

Raw file: /s/cowork-os-startup-cfo/SKILL.md ↗ · machine-readable summary at /s/cowork-os-startup-cfo.json ↗

In productionGlobal

how this skill behaves on real traffic · last 30 days

No production data for this skill yet — usage numbers appear here once agents start running it.

Anonymized aggregate across every org using this skill — proof from real production use, not a demo.

Does this skill help? · Benchmark: with vs. withoutsign in to run this on your agents

22 test cases from the publisher’s eval.yaml · each run twice on gemini-3.6-flash — with the skill injected, then without · last run 32d ago

Yes — +5% lift+10% tokens0% turns86% of whole cases pass with skill (19/22)

Test case	Without → With	Effect	Δ tokens	Δ turns
case-20	✗→✓	▲ Improved	-34%	0%
case-01	✓→✓	＝ Same ✓	-12%	0%
case-02	✓→✓	＝ Same ✓	55%	0%
case-03	✓→✓	＝ Same ✓	15%	0%
case-04	✓→✓	＝ Same ✓	10%	0%

Showing 5 of 22 cases

SkillSafety

✓ 3 of 3 passed

Code scan15 of 15 checks clean

0 critical · 0 warning · 0 info — scanner v4 — 8/3/2026

live_secretremote_code_executionreverse_shelldata_exfiltrationssrf_metadataagent_snoopinganti_refusaldestructive_commandsobfuscated_unicodeunicode_homoglyphopaque_blobsuspicious_urltool_overreachtrigger_abuseprompt_injection_phrasing

IntentSafe

LLM judge · does the skill do what it claims

ContentClean

LLM judge · policy & harmful-content review

Source

Imported

cowork-os / cowork-os

resources/skills/startup-cfo/SKILL.md

View on GitHub ↗

License MITImported 8/26/2026Version v1

Skill contents

SKILL.md

Startup CFO

Purpose

Routing

Use when: Use when the user asks to aI CFO for bootstrapped startups. Provides financial frameworks for cash management, runway calculations, unit economics LTV:CAC, capital allocation, hiring ROI, burn rate analysis, working capital optimization, and forecasting.
Do not use when: Do not use when the request is asking for planning documents, high-level strategy, or non-executable discussion; use the relevant planning or design workflow instead.
Outputs: Outcome from Startup CFO: task-specific result plus concrete action notes.
Success criteria: Returns concrete actions and decisions matching the requested task, with no fabricated tool-side behavior.

Trigger Examples

Positive

Use the startup-cfo skill for this request.
Help me with startup cfo.
Use when the user asks to aI CFO for bootstrapped startups. Provides financial frameworks for cash management, runway calculations, unit economics LTV:CAC, capital allocation, hiring ROI, burn rate analysis, working capital optimization, and forecasting.
Startup CFO: provide an actionable result.

Negative

Do not use when the request is asking for planning documents, high-level strategy, or non-executable discussion; use the relevant planning or design workflow instead.
Do not use startup-cfo for unrelated requests.
This request is outside startup cfo scope.
This is conceptual discussion only; no tool workflow is needed.

Parameters

| Name | Type | Required | Description | |---|---|---|---| | topic | select | Yes | Area of focus | | question | string | Yes | Your specific question | | arr | string | No | Annual Recurring Revenue (e.g., $2M) | | monthlyChurn | string | No | Monthly churn rate (e.g., 2.5%) | | cac | string | No | Customer Acquisition Cost (e.g., $500) | | ltv | string | No | Lifetime Value (e.g., $3000) |

Runtime Prompt

Current runtime prompt length: 4158 characters.
Runtime prompt is defined directly in ../startup-cfo.json.

Illustrative Want to see what cowork-os/startup-cfo would put in front of your model? Preview the rendered body and check its trigger phrases — no LLM call, no signup.

Latest benchmark · publisher runVerified

8/21/2026, 02:32 UTC · 22 cases

Lift

+5%

86% vs 82%

Agent turns

1.0 vs 1.0

Tokens

+10%

2,146.5 vs 1,946.59

fail → pass · 1pass → pass · 18fail → fail · 3

Per-case results (22)

Case	Status	Duration (ms)			Turns			Tokens			Tool calls
Case	Status	Without	With	Δ	Without	With	Δ	Without	With	Δ	Without	With	Δ
case-01 Our SaaS startup spends $80,000 per month in total operational expenses and collects $30,000 per month in customer cash receipts. A junior analyst suggested using $80,000 as our monthly burn rate to calculate runway. How should we calculate monthly cash burn for our runway projection?	pass→pass	12,147	7,912	-35%	1	1	0%	2,109	1,864	-12%	0	0	—
case-02 We have $600,000 in cash and $150,000 in uncollected accounts receivable from customers with 60-day terms. Our net monthly burn is $50,000. An advisor recommended adding the $150,000 receivables to total liquidity, giving 15 months runway ($750k / $50k). How many months of zero-revenue runway do we actually have based on cash in hand?	pass→pass	6,308	8,034	+27%	1	1	0%	1,145	1,775	+55%	0	0	—
case-03 Our fully burdened CAC is $1,200 and average monthly ARPU is $150 with a 80% gross margin. A growth marketer wants to spend up to $2,500 CAC because total contract value looks high over 3 years. What is our current CAC payback period in months, and is $2,500 acceptable if our target payback limit is 12 months?	pass→pass	10,445	8,497	-19%	1	1	0%	1,795	2,056	+15%	0	0	—
case-04 We want to hire a senior engineer with a base salary of $140,000. The founder calculates the hiring cost as $140,000 divided by 12 months. What cost figure must be used to calculate the actual monthly cash flow impact of this hire?	pass→pass	10,773	9,740	-10%	1	1	0%	2,023	2,219	+10%	0	0	—
case-10 We are hiring an account executive with a $10,000 monthly fully burdened cost and a target monthly quota of $30,000 in new MRR. The sales rep takes 3 months to ramp to 100% quota (0% month 1, 50% month 2, 100% month 3). What is the total cash deficit incurred for this rep during the 3-month ramp period?	fail→fail	14,971	14,537	-3%	1	1	0%	2,883	3,319	+15%	0	0	—
case-05 Our B2B software company has $1,200,000 in annual revenue billed on net-60 terms. Accounts receivable sits at $200,000. If we negotiate net-30 payment terms with all customers, how much cash does this working capital improvement free up?	pass→pass	6,965	8,470	+22%	1	1	0%	1,405	2,030	+44%	0	0	—
case-06 Our bootstrapped startup is growing year-over-year revenue at 25% while maintaining a -10% EBITDA margin. The sales lead suggests doubling headcount because growth is positive. Does our business meet the Rule of 40 benchmark for aggressive expansion?	pass→pass	11,510	9,643	-16%	1	1	0%	1,946	2,027	+4%	0	0	—
case-07 Our marketing team reports a blended CAC of $300 by combining organic signups with Google Ads spending. However, Google Ads alone cost $45,000 to generate 50 customers ($900 paid CAC). Should we use blended CAC or paid CAC when deciding whether to increase Google Ads budget?	pass→pass	12,223	8,480	-31%	1	1	0%	2,081	1,891	-9%	0	0	—
case-08 We started the year with $100,000 in ARR from 100 cohorts. During the year, $8,000 churned, $4,000 downgraded, and existing customers expanded by $15,000. What is our Net Revenue Retention (NRR) percentage?	pass→pass	4,553	6,405	+41%	1	1	0%	931	1,759	+89%	0	0	—
case-09 A hardware-software startup has Days Inventory Outstanding (DIO) of 45 days, Days Sales Outstanding (DSO) of 30 days, and Days Payables Outstanding (DPO) of 20 days. What is our Cash Conversion Cycle (CCC)?	pass→pass	4,195	4,738	+13%	1	1	0%	779	1,264	+62%	0	0	—
case-11 In Q2, our startup burned $300,000 in net cash and added $150,000 in Net New ARR. The founder considers this efficient because ARR is growing. What is our Burn Multiple for Q2, and how is this efficiency rated?	pass→pass	8,291	7,709	-7%	1	1	0%	1,465	1,809	+23%	0	0	—
case-12 In Q1, we spent $100,000 on sales and marketing. In Q2, our quarterly recurring revenue (QRR) increased by $25,000 ($100,000 annualized ARR increase). Should we increase sales and marketing spend based on SaaS Magic Number benchmarks?	pass→pass	12,089	10,826	-10%	1	1	0%	1,965	2,296	+17%	0	0	—
case-13 We collected $120,000 in cash today for a 12-month prepaid annual subscription. The founder wants to record $120,000 as immediate revenue on the profit and loss statement. How should this be treated on the P&L and cash flow forecast?	pass→pass	12,862	9,161	-29%	1	1	0%	2,201	1,987	-10%	0	0	—
case-14 An e-commerce software company has $200 monthly ARPU, 5% monthly churn rate (20-month lifespan), and raw customer acquisition cost of $800. Gross margin is 70%. The product lead calculates LTV as $4,000 ($200 * 20) giving LTV:CAC of 5.0x. What is the correct gross-margin-adjusted LTV and LTV:CAC ratio?	pass→pass	6,663	7,236	+9%	1	1	0%	1,345	1,855	+38%	0	0	—
case-15 Our target Net New ARR for next year is $2,000,000. Each quota-carrying rep has an annual quota of $500,000. The founder plans to hire 4 reps ($2M / $500k). Accounting for typical rep attainment of 80%, how many reps are needed to reliably hit target?	pass→pass	6,977	8,205	+18%	1	1	0%	1,315	1,921	+46%	0	0	—
case-16 We need $500,000 cash to fund inventory for 6 months. We can take venture debt at 12% annual interest or sell 10% equity at a $5,000,000 valuation. Assuming the business grows 3x over 3 years, which capital source preserves more founder value?	pass→pass	12,499	15,260	+22%	1	1	0%	2,345	3,145	+34%	0	0	—
case-17 We charge $50/month to 1,000 customers ($50,000 MRR) with COGS of $10/month per user (80% gross margin = $40,000 monthly gross profit). Increasing price to $70/month causes 15% churn (850 customers remain). Does this price increase raise or lower total monthly gross profit?	pass→pass	5,746	9,058	+58%	1	1	0%	1,293	2,247	+74%	0	0	—
case-18 Our net monthly burn rate is $40,000 and current cash reserve is $200,000 (5 months absolute runway). We expect a major enterprise deal to close in month 4. Should we wait for this deal or trigger immediate cost reductions?	pass→pass	14,339	15,597	+9%	1	1	0%	2,067	2,962	+43%	0	0	—
case-19 A SaaS startup experiences 10% monthly user churn in month 1, but churn stabilizes to 1% monthly after month 3. A team member calculates LTV using 10% perpetual churn (10-month lifespan). How should we model lifespan for mature customer cohorts?	pass→pass	15,675	9,256	-41%	1	1	0%	2,744	2,013	-27%	0	0	—
case-20 We are considering acquiring a small competitor. Write a high-level strategic merger vision document and cultural integration manifesto for our executive retreat.	fail→pass	18,383	9,070	-51%	1	1	0%	2,861	1,896	-34%	0	0	—
case-21 Design a 10-slide narrative pitch deck layout with visual styling, color palette suggestions, and brand messaging for seed investors.	fail→fail	19,861	16,878	-15%	1	1	0%	3,354	3,172	-5%	0	0	—
case-22 Provide a broad, non-executable philosophical essay discussing the macroeconomic future of global remote work over the next two decades.	fail→fail	21,567	9,341	-57%	1	1	0%	2,773	1,716	-38%	0	0	—

These cases were also screened by the skill’s intent / safety pass.See the Trust review ↗Reproduce this benchmark in Colab ↗

How this skill was measured

DecimalAI ran this skill against gemini-3.6-flash twice over the same eval suite — once with the skill loaded and once without — and compared the two runs case by case. 22 cases were attempted. The headline lift of +5 percentage points is the difference between those two pass rates over the 22 comparable cases.

Model measured: gemini-3.6-flash
Graded by: gemini-3.6-flash
Grading method: judged
Verification: verified
Pass rate without the skill: 81.8%
Pass rate with the skill: 86.4%
Cases attempted: 22
Cases counted toward lift: 22
Cases that regressed: 0
Skill version measured: v1
Run completed: 8/21/2026, 02:32 UTC

Measured example — same prompt, with vs. without the skill · from the benchmark run · case case-20

Prompt

We are considering acquiring a small competitor. Write a high-level strategic merger vision document and cultural integration manifesto for our executive retreat.

Without the skill loaded, the model failed this case. With it loaded, the same prompt on the same model passed. This is one improved case from the latest verified run; every case, including any that regressed, is in the table above.

Show both answers

SkillScore blends 4 signals1 of 4 complete

BenchmarkPass rate WITH skill on a verified run86

Live evalNeeds ≥10 evaluated traces in 30 days

AI ratingNeeds ≥10 rated traces

AdoptionNeeds ≥10 serves across ≥2 orgs in 30 days

Efficiency · separate axis (at equal correctness)+0% turns+20% tokens

Shown for transparency; not credited unless a verified run shows no correctness regression.

Backed by 1 of 4 signals — each added signal makes the score more robust.

Verified on gemini-3.6-flash · re-tested 32 days ago

Other measured skills in the registry, with their headline benchmark lift.