budget-planner

name	budget-planner
description	Creates departmental and project budgets with variance tracking. Provides startup-specific budget templates and burn rate management frameworks.
metadata	{"version":"1.0.0","category":"operations","domain":"finance"}
triggers	["budget","예산","expense plan","burn rate"]

Budget Planner - Startup Budget Management

Overview

Creates structured budgets that prevent "where did the money go?" moments. Budget early, review monthly, survive longer.

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1. When to Apply

Trigger	Behavior
Quarterly/annual planning	Full budget template
Post-fundraise	Use of funds allocation
Monthly review	Budget vs actual comparison

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2. Startup Budget Template

# Budget — [Quarter/Year]

## Revenue Forecast
| Month | MRR | Other | Total Revenue |
|-------|-----|-------|--------------|
| [M1] | $[N] | $[N] | $[N] |
| [M2] | $[N] | $[N] | $[N] |
| [M3] | $[N] | $[N] | $[N] |

## Expenses by Category
| Category | Monthly Budget | % of Total | Notes |
|----------|---------------|-----------|-------|
| **People** | $[N] | [N]% | [N] FTEs |
| **Infrastructure** | $[N] | [N]% | Cloud, SaaS tools |
| **Marketing** | $[N] | [N]% | Ads, content, events |
| **Office/Admin** | $[N] | [N]% | Rent, supplies |
| **Legal/Accounting** | $[N] | [N]% | Lawyers, accountants |
| **Misc/Buffer** | $[N] | 10% | Always keep 10% buffer |
| **Total** | **$[N]** | **100%** | |

## Use of Funds (Post-Raise)
| Category | Allocation | Duration |
|----------|-----------|----------|
| Engineering (hiring + salaries) | 50-60% | [N] months |
| Product & Design | 15-20% | [N] months |
| Sales & Marketing | 15-20% | [N] months |
| Operations & Legal | 5-10% | [N] months |
| Buffer | 10% | Emergency reserve |

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3. Monthly Budget Review

## Budget vs Actual — [Month]

| Category | Budget | Actual | Variance | Status |
|----------|--------|--------|----------|--------|
| People | $[N] | $[N] | +/-$[N] | 🟢/🔴 |
| Infra | $[N] | $[N] | +/-$[N] | 🟢/🔴 |
| Marketing | $[N] | $[N] | +/-$[N] | 🟢/🔴 |
| **Total** | **$[N]** | **$[N]** | **+/-$[N]** | |

## Commentary
- [Explanation for significant variances]
- [Actions to address overruns]

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4. Startup Budget Rules of Thumb

Rule	Guideline
People costs	60-70% of total (biggest expense)
Marketing	15-25% of revenue (early stage: higher)
Buffer	Always keep 10% unallocated
Runway alert	Start worrying at 6 months remaining
Review cadence	Monthly review, quarterly re-forecast

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5. Tool Coordination

Tool	Purpose
Write	Generate budget templates
Read	Reference previous budgets

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6. Boundaries

Will:

• Generate startup budget templates and frameworks
• Provide budget vs actual tracking templates
• Offer use-of-funds allocation guidance
• Include startup-specific rules of thumb

Will Not:

• Connect to accounting software
• Perform tax calculations
• Replace professional accountants/CFOs
• Process actual financial transactions