founder-cfo

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🇺🇸

Original

English

🇨🇳

Translation

Chinese

founder-cfo

The person who asks "and what does that cost?" Margins decide whether a good idea is a business. This skill finds them, with every number traceable to an input.

Tool in this folder:

bash

python3 "${CLAUDE_SKILL_DIR}/unit_economics.py" founder/numbers.json --out founder/cfo.md

那个会问“这要花多少钱？”的角色。利润率决定了一个好想法能否成为一门生意。本技能帮你算出这些数据，所有数字都可追溯到对应输入项。

本文件夹中的工具：

bash

python3 "${CLAUDE_SKILL_DIR}/unit_economics.py" founder/numbers.json --out founder/cfo.md

Step 1: gather the inputs

步骤1：收集输入数据

Write

founder/numbers.json

(shape:

example.json

in this folder, a walk-in matcha café). It needs:

field	what goes in it
`unit`	what one sale is: a cup, an order, a client-month, a seat
`price`	price per unit before tax
`variable`	the cost of ONE unit: ingredients, packaging, shipping, card fees, per-sale commissions
`fixed_monthly`	what you pay every month regardless: rent, salaries, software, insurance
`startup`	one-off spend before opening: deposits, build-out, equipment, first inventory, launch ads
`plan_per_day`	the volume once it is up and running
`ramp_per_day`	12 numbers: realistic volume in each month of year 1
`capacity_per_day`	the most you can physically sell in a day, if there is a limit

Where the numbers come from, in this order:

The user's own quotes, invoices, leases and supplier price lists.
Public prices the user can check (a supplier's price list, a landlord's listing, a payment processor's published fees). Write the source next to the number in
```
founder/cfo-sources.md
```
.
Your estimate, clearly marked as an estimate, with the reasoning. Never present an estimate as a fact.

Ask the user for anything only they know (rent quoted, wages they will pay). Use the price from

founder/pricing.md

founder/pitch.md

if those exist.

The ramp is where plans lie. Month 1 is almost never the plan volume. If the buyer panel ran, use its buy rate and first-month purchases to sanity-check the ramp (

founder/panel/results.md

), and say how you did it.

编写

founder/numbers.json

文件（格式参考本文件夹中的

example.json

，以一家可直接到店消费的抹茶咖啡馆为例）。需要包含以下字段：

字段	说明
`unit`	单个销售单位的定义：一杯、一单、一个客户月、一个席位
`price`	单个单位的税前价格
`variable`	单个单位的可变成本：原料、包装、配送、刷卡手续费、单笔销售佣金
`fixed_monthly`	每月固定支出：租金、薪资、软件费用、保险
`startup`	开业前一次性支出：押金、装修、设备、首批库存、启动广告
`plan_per_day`	项目步入正轨后的日销量
`ramp_per_day`	12个数字：首年每个月的实际日销量
`capacity_per_day`	日产能上限（如果存在限制的话），即单日最多可售出的数量

数据来源按优先级排序如下：

用户自己的报价单、发票、租约和供应商价目表。
用户可核查的公开价格（供应商价目表、房东挂牌信息、支付机构公布的手续费）。请在
```
founder/cfo-sources.md
```
中对应数字旁注明来源。
你的估算，需明确标注为估算并说明推理过程。绝对不能将估算作为事实呈现。

对于只有用户才知道的信息（如报价租金、拟发薪资），直接询问用户。如果存在

founder/pricing.md

或

founder/pitch.md

文件，可从中取用价格数据。

爬坡期是计划最容易失真的地方。 第1个月的销量几乎永远达不到计划销量。如果已经运行了买家调研小组，可使用其购买率和首月购买数据来验证爬坡期销量的合理性（参考

founder/panel/results.md

），并说明你的验证方法。

Step 2: run it

步骤2：运行工具

bash

python3 "${CLAUDE_SKILL_DIR}/unit_economics.py" founder/numbers.json --out founder/cfo.md

It writes: the per-unit table and the contribution (what each sale leaves after its own costs), fixed costs, the break-even in units a day, the profit margin at the plan volume, year 1 month by month, the year 1 operating profit and the result after the startup spend, the cash needed before it pays for itself, the month the startup money is earned back, and a what-if table (price -10%, volume -20%, unit costs +15%). It flags a price below variable cost, a break-even above capacity, a losing year 1 and a payback beyond 12 months.

What-ifs without editing the file:

bash

python3 "${CLAUDE_SKILL_DIR}/unit_economics.py" founder/numbers.json --price 7.00
python3 "${CLAUDE_SKILL_DIR}/unit_economics.py" founder/numbers.json --volume 0.8

bash

python3 "${CLAUDE_SKILL_DIR}/unit_economics.py" founder/numbers.json --out founder/cfo.md

工具会输出：单位成本收益表与边际贡献（每笔销售扣除自身成本后的剩余）、固定成本、每日单位盈亏平衡点、计划销量下的利润率、首年逐月数据、首年营业利润及扣除启动支出后的结果、实现自给自足所需的现金、启动资金回本月份，以及情景分析表（价格-10%、销量-20%、单位成本+15%）。工具会自动标记以下风险情况：价格低于可变成本、盈亏平衡点高于产能、首年亏损、回本周期超过12个月。

无需修改文件即可运行情景分析：

bash

python3 "${CLAUDE_SKILL_DIR}/unit_economics.py" founder/numbers.json --price 7.00
python3 "${CLAUDE_SKILL_DIR}/unit_economics.py" founder/numbers.json --volume 0.8

Step 3: the CFO's note

步骤3：撰写CFO备注

Add a short section at the top of

founder/cfo.md

, in plain words:

The margin: the profit margin at plan, and the contribution per unit.
The line to watch: the one cost or assumption that moves the result most (usually the ramp, rent or the price), with the what-if that proves it.
Cash: how much money the founder needs before it pays for itself.
Three ways to improve the margin, each with the number it changes and by how much (run the what-if, do not guess).
Whether the board's conditions about money (
```
founder/board.md
```
) are met.

在

founder/cfo.md

文件顶部用平实的语言添加一段简短说明，包含以下内容：

利润率：计划销量下的利润率，以及单位边际贡献。
核心关注项：对结果影响最大的一项成本或假设（通常是爬坡期销量、租金或价格），并附上能证明该影响的情景分析结果。
现金需求：创始人在项目实现自给自足前需要投入的资金量。
三种提升利润率的方法，每种都需说明对应的影响指标及变化幅度（需运行情景分析得出，不可猜测）。
是否满足董事会关于资金的要求（参考
```
founder/board.md
```
）。

Rules

规则

Every number in your note comes from the tool's output or an input you can name.
Revenue is before tax; say if the user's market adds sales tax on top.
Not financial, tax or legal advice. Say once that an accountant should check the structure, payroll costs and tax before money moves.

备注中的所有数字都必须来自工具输出或你能明确指出来源的输入项。
收入为税前金额；如果用户所在市场会在价格外额外征收销售税，需注明。
本工具不构成财务、税务或法律建议。需明确提示用户：在资金流转前，应请会计师核查架构、薪资成本和税务问题。

Output

输出文件

founder/numbers.json

founder/cfo.md

founder/cfo-sources.md

. Next:

/founder-plan

uses these numbers for the verdict;

/founder-pricing

if the margin is thin.

founder/numbers.json

founder/cfo.md

founder/cfo-sources.md

。后续步骤：

/founder-plan

会使用这些数据得出结论；如果利润率偏低，可使用

/founder-pricing

工具。