cfo-stack

Use when preparing Canadian tax review packets for T4 employment income, rental income, sole proprietorships, corporations, GST/HST, payroll, or slip season. Anchors the workflow in CRA source pages, uses Taxtips only for secondary checklist ideas, and produces human-review tax prep packages instead of compliance claims.

Use when changing setup or uninstall behavior, onboarding intake, install-scope semantics, host registration docs, or setup-related agent guidance that should not live in AGENTS.md.

Initialize a new Beancount ledger from scratch. Chart of accounts for your business type, opening balances, Fava config, git initialization. Use after onboarding scope is clear and the user is ready to create files. CLEAR step: Meta

Root onboarding and routing command for CFO Stack. Start here when the user does not know which skill to use, needs first-run guidance, or wants the agent to decide whether to start zero-knowledge onboarding, set up a ledger, download statements, consult external models, search historical precedent, or review current books. CLEAR step: Meta

Beginner-friendly first-run guidance for users who do not understand bookkeeping, Beancount, or CFO Stack yet. Explains the workflow in plain language, gathers only high-level readiness information, and hands off cleanly to the right next skill. Use before `/cfo-setup` when the user is zero knowledge or overwhelmed. CLEAR step: Meta

Financial health assessment, FIRE planning, net worth tracking, and scenario modeling. Use when you want the big picture of your financial life. CLEAR step: R (Report)

Comprehensive ledger validation and integrity check. Verifies every transaction, checks for common errors, validates completeness, and produces an audit report. Use before filing taxes or at year-end. CLEAR step: Meta

Generate reusable processing scripts and pipelines. Turn repetitive L and E steps into scripts. Goal: 30 min/month for all bookkeeping. Use when you notice you're doing the same steps repeatedly. CLEAR step: A (Automate)

Smart CSV importer with format auto-detection. Handles major banks in Canada and US, plus payment platforms (Stripe, PayPal, Wise, WeChat Pay, Alipay) and browser-assisted exports gathered through `/cfo-statement-export`. Use when importing bank or credit card CSV exports. CLEAR step: C (Capture)

Enforce import idempotency and duplicate-source detection across repeated capture runs. Fingerprints files, rows, and derived documents so reruns skip exact duplicates, corrected reimports are explicit, and duplicate-risk findings surface in import logs and validation. Use before staging entries from /cfo-capture, /cfo-bank-import, /cfo-receipt-scan, or /cfo-doc-preprocess. CLEAR step: C (Capture)

Master data import orchestrator. Consolidates every "evidence of money" into one place: bank CSVs, credit card statements, receipts, invoices, payment platform exports, and routes raw source documents through preprocessing before OCR when needed. Can also trigger browser-assisted statement export when files are not on disk yet. Use when starting the monthly CLEAR cycle or importing new financial data. CLEAR step: C (Capture)

Safety guardrails for financial data. Warns before destructive operations on ledger files, reconciled transactions, or tax-filed data. Use when working with production financial data. CLEAR step: Meta

AI-powered transaction categorization with learning. Applies rules, pattern matching, and AI inference to categorize transactions. Learns from corrections. Use after /cfo-capture or /cfo-bank-import to categorize uncategorized transactions. CLEAR step: L (Log)

Cross-model accounting and tax self-consulting via 10x-chat. Ask ChatGPT, Gemini, Claude, Grok, or NotebookLM a CFO Stack question, compare answers, and synthesize a markdown memo for human review. Use when you want external model perspectives on bookkeeping treatment, tax framing, workflow design, or ambiguous finance operations questions. CLEAR step: E (Extract)

Normalize and compress receipt photos, scanned invoices, and oversized source documents before OCR or archival. Use when capture includes JPG/PNG/HEIC/TIFF receipts, camera scans, or image-heavy PDFs that should be made smaller without losing legibility. On macOS, prefer doc-crop for document photos and WebP output for image receipts. `doc-crop` is a macOS-only tool and should only be installed or run on macOS. CLEAR step: C (Capture)

AI-powered financial analysis. Extracts spending patterns, detects anomalies, forecasts trends, and surfaces actionable insights from your ledger data. Use when you want to understand what your numbers are telling you. CLEAR step: E (Extract)

Launch the Fava web UI for visual exploration of your Beancount ledger. Interactive charts, account views, queries, and reports in the browser. Use when you want to visually explore your financial data. CLEAR step: R (Report)

Search prior journals, ledgers, notes, and bookkeeping knowledge quickly with QMD. Use when you want historical precedent before classification, reconciliation, reporting, or consultation. CLEAR step: E (Extract)

Generate professional invoices with correct tax treatment. Multi-region support for Canada (GST/HST), US, Taiwan, China, and EU VAT. Track accounts receivable. Use when billing clients. CLEAR step: Meta

Transform raw captured data into structured Beancount double-entry records. The bridge between messy real-world data and clean accounting entries. Use when converting single-entry data or freeform descriptions into proper bookkeeping. CLEAR step: L (Log)

Automated monthly close workflow. Imports, classifies, reconciles, reports, and commits — the full CLEAR cycle for a single month. Use at month-end to close the books. CLEAR step: A (Automate)

Prepare quarterly tax filing data. GST/HST return (Canada), estimated tax payments (US), sales tax returns. Generates filing-ready data packets. Use at quarter-end for tax compliance. CLEAR step: A (Automate)

OCR receipt photos and PDFs to extract transaction data. Generates Beancount transactions with receipt linkage. Use when processing normalized receipt photos, WebP derivatives, or scanned invoices. CLEAR step: C (Capture)

Match bank statement balances to ledger balances. Find discrepancies, verify every account, flag anomalies. Generate balance assertions. Use at month-end to verify your books match reality. CLEAR step: E (Extract)

Generate beautiful HTML dashboards from a Beancount ledger without using an LLM. Uses Bun + TypeScript + React + Tailwind to render business or household dashboards from `bean-query` data, including balance sheet, cash flow, net worth, and recent activity. Use when you want a shareable dashboard artifact instead of Markdown-only statements. CLEAR step: R (Report)

Generate financial statements: Income Statement (P&L), Balance Sheet, Cash Flow. Custom queries via BQL. Trend analysis and period comparisons. Use to see your financial picture clearly. CLEAR step: R (Report)

Git commit your ledger with a meaningful message. Tag month-end, quarter-end, and year-end closes. Maintains the audit trail. Use after any meaningful ledger change. CLEAR step: Meta

Privacy-first planning-only statement export for banks, cards, brokerages, and payment platforms. The LLM builds a manual download checklist with official URLs, suggested date ranges, export formats, and staging directory, but does not use browser tools or browser automation. Use when account files are not on disk yet and the user wants more privacy. CLEAR step: C (Capture)

Human-in-the-loop browser-assisted statement export for banks, cards, brokerages, and payment platforms. Uses Chrome DevTools MCP against the user's current Chrome session to download CSV/PDF statements without bank APIs. Use when account files are not on disk yet. CLEAR step: C (Capture)

Proactive tax strategy and planning. Quarterly estimates, deduction optimization, income splitting scenarios, RRSP/TFSA/401k contribution planning. Use quarterly or when making major financial decisions. CLEAR step: E (Extract)

Run bean-check plus custom validation rules on the ledger. Ensures every entry balances, accounts exist, and no common errors are present. Use after any ledger modification to verify integrity. CLEAR step: L (Log)

Use when statement files are not on disk yet and the agent needs human-in-the-loop browser assistance through the user's current Chrome session to find official portals and download CSV or PDF statements.

Use when changing CFO Stack ledger conventions, process docs, Beancount metadata rules, or canonical ledger/file layout guidance that should stay out of AGENTS.md.

Use when executing cpa-stack GitHub issue or PR work with gh, including issue intake, issue claiming, durable progress comments, status labels, validation, commit or push, and final state reporting that avoids duplicate parallel work.