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Use this skill when the user needs to build a financial model, calculate unit economics, understand MRR/ARR/churn, or figure out their quit number. Covers SaaS metrics, CAC/LTV, burn rate, cash flow modeling, and making unit economics legible for non-finance founders.
Codex 또는 Claude로 설치 이 Prompt를 복사해 Codex, Claude 또는 다른 어시스턴트에 붙여 넣으면 Skill 페이지를 검토하고 설치를 진행할 수 있습니다.
SOC 직업 분류 기준
Use this skill when the user wants to write long-form prose — blog posts, founder essays, build-in-public posts, About pages, newsletter intros, or origin stories. Also use when the user mentions 'blog post,' 'essay,' 'long-form,' 'founder voice,' 'build in public,' 'BIP post,' 'About page,' 'origin story,' or 'newsletter copy.' For microcopy and CTAs, see copywriting. For removing AI patterns from existing text, see humanize. For SEO articles, see seo-content. For content strategy and distribution, see content.
Use this skill when the user doesn't know what to work on next, asks 'what should I do?', wants to find high-value opportunities, or needs help deciding where to spend their time. Also use when the user mentions 'what should I do next,' 'what should I work on,' 'where should I focus,' 'find low-hanging fruit,' 'what's the most valuable thing I could do,' or 'I don't know what to do.' Scans the full project — code, infrastructure, marketing, growth, business — and surfaces 3-5 high-impact, low-effort opportunities ranked by value. Routes each recommendation to the right skill.
Use this skill to find and eliminate duplication across your codebase — UI components, database schema, and workflow logic. Also use when the codebase feels bloated, features take longer to build, changes break in unexpected places, or after significant AI-assisted development. Covers code deduplication, component reuse, database normalization, and modular architecture.
Use this skill when the user's app feels slow, the codebase feels bloated, or after significant development work. Also use when the user says 'my app is slow,' 'clean up my code,' 'reduce bundle size,' 'my hosting bill is too high,' or 'everything feels sluggish.' Optimizes across four dimensions: Speed (page load, API response), Code (unused files, dead code), Database (orphaned data, schema hygiene), and Dependencies (package bloat, bundle size).
Use this skill when the user is building software for a regulated industry and needs to understand compliance requirements. Also use when the user mentions 'HIPAA,' 'FERPA,' 'SOC 2,' 'PCI,' 'GDPR,' 'compliance,' 'regulated industry,' 'healthcare app,' 'fintech,' 'edtech,' or asks 'do I need to worry about [regulation]?' Covers what regulations mean for your tech stack — not legal theory, but concrete technical requirements.
Use this skill when the user needs to hire a developer, find a technical contractor, vet engineering talent, manage freelancers, write a job brief, decide between hiring and contracting, or bring on their first technical team member. Also use when the user says 'I need a developer,' 'should I hire someone,' 'how do I find a contractor,' 'I need technical help I can't do myself,' or 'AI keeps getting this wrong, I need a human.' Covers contractor sourcing, vetting, management, and the founder-developer working relationship for non-technical founders.
| name | finances |
| description | Use this skill when the user needs to build a financial model, calculate unit economics, understand MRR/ARR/churn, or figure out their quit number. Covers SaaS metrics, CAC/LTV, burn rate, cash flow modeling, and making unit economics legible for non-finance founders. |
A SaaS business is a math machine. If you don't know your numbers, you're guessing. This skill makes unit economics legible — MRR, CAC, LTV, churn, burn rate — clear enough to make decisions, rigorous enough to be trusted.
Before building anything, calculate what it takes to replace your income:
Monthly personal burn (after taxes):
Rent/mortgage: $______
Insurance: $______
Food/living: $______
Debt payments: $______
Everything else: $______
Safety buffer (20%): $______
= Monthly nut: $______
Required MRR to quit:
Monthly nut ÷ 0.70 = $______
(0.70 accounts for taxes, SaaS costs, and variance)
At your target price point ($X/mo):
Required MRR ÷ Price = customers needed
Timeline:
Customers needed ÷ realistic monthly growth rate = months to quit
Reality check: If you need 500+ customers at $29/mo to quit, that's an 18-36 month journey. Plan accordingly.
Runway calculation:
Current savings available for this venture: $______
Monthly burn while building (no revenue): $______
Savings ÷ Monthly burn = months of runway: ______
Hard deadline: Date you MUST have revenue or go back to employment.
Startup costs (one-time):
Domain + hosting (year 1): $100-500
LLC formation: $50-500
Tools (analytics, email): $0-200/mo
Paid acquisition test: $500-1,000
Legal (if needed): $500-2,000
= Total launch cost: $______
Monthly operating costs (once live):
Hosting/infra: $______
SaaS tools: $______
Email service: $______
Payment fees: $______
= Monthly opex: $______
Monthly Recurring Revenue (MRR)
MRR = Sum of all active monthly subscription amounts
MRR breakdown:
New MRR: Revenue from new customers this month
Expansion MRR: Revenue from upgrades/seat additions
Contraction MRR: Revenue lost from downgrades
Churned MRR: Revenue lost from cancellations
Net New MRR: New + Expansion - Contraction - Churned
Annual Recurring Revenue (ARR)
ARR = MRR × 12
(Only use this once MRR is relatively stable. Don't annualize your first month.)
Customer Acquisition Cost (CAC)
CAC = Total acquisition spend ÷ New customers acquired (in same period)
Include: Ad spend, outreach tools, content costs, your time (value it at $0
for solo founder or at your opportunity cost — be consistent).
By channel:
SEO CAC: Content costs ÷ SEO-attributed signups
Paid CAC: Ad spend ÷ Paid-attributed signups
Outreach CAC: Tool costs ÷ Outreach-attributed signups
Lifetime Value (LTV)
Simple LTV:
LTV = ARPU ÷ Monthly churn rate
Example:
ARPU = $49/mo, Monthly churn = 5%
LTV = $49 ÷ 0.05 = $980
With gross margin:
LTV = (ARPU × Gross margin %) ÷ Monthly churn rate
LTV:CAC Ratio
LTV:CAC = LTV ÷ CAC
Benchmarks:
< 1:1 You lose money on every customer. Stop spending.
1-3:1 Unsustainable. Improve retention or reduce CAC.
3:1 Healthy target for most SaaS.
> 5:1 You're probably underinvesting in growth.
CAC Payback Period
Payback = CAC ÷ (ARPU × Gross margin %)
Example:
CAC = $150, ARPU = $49/mo, Gross margin = 85%
Payback = $150 ÷ ($49 × 0.85) = 3.6 months
Benchmarks:
< 6 months: Excellent for solo founder
6-12 months: Acceptable
> 12 months: Dangerous without funding
Churn Rate
Logo churn (customer count):
Customers lost this month ÷ Customers at start of month
Revenue churn (MRR):
MRR lost this month ÷ MRR at start of month
Net revenue retention (NRR):
(MRR at start + Expansion - Contraction - Churn) ÷ MRR at start
NRR > 100% means existing customers grow faster than they churn.
Benchmarks:
Logo churn < 5%/mo: Acceptable early stage
Logo churn < 3%/mo: Good
Revenue churn < 2%/mo: Target
NRR > 100%: Excellent (expansion revenue working)
Build this table monthly:
| Metric | Month 1 | Month 2 | Month 3 | ... |
|---------------------------|---------|---------|---------|-----|
| New customers | | | | |
| Churned customers | | | | |
| Total customers (end) | | | | |
| MRR | | | | |
| Net new MRR | | | | |
| Revenue (collected) | | | | |
| COGS (hosting, APIs, etc) | | | | |
| Gross profit | | | | |
| Gross margin % | | | | |
| Total acquisition spend | | | | |
| CAC | | | | |
| LTV | | | | |
| LTV:CAC | | | | |
| Payback (months) | | | | |
| Operating expenses | | | | |
| Net profit/loss | | | | |
| Cash balance | | | | |
| Runway (months) | | | | |
Map your revenue sources:
Primary revenue:
Monthly subscriptions: $X/mo × estimated customers = $______
Annual subscriptions: $Y/yr × estimated customers = $______
Secondary revenue (if applicable):
Usage-based overage: Estimated average overage/customer = $______
One-time setup fees: $Z × new customers/month = $______
Consulting/services: Hours/month × rate = $______
Revenue mix target:
Recurring %: ____% (target >80%)
One-time %: ____% (keep <20%)
Services %: ____% (keep <10% — doesn't scale)
Track weekly, review monthly:
Growth metrics:
Retention metrics:
Economics metrics:
Leading indicators (predict future revenue):
Don't build a complex model. Use this:
Conservative monthly growth rates by stage:
Pre-revenue to $1K MRR: add 5-15 customers/month
$1K-$5K MRR: 10-20% MRR growth/month
$5K-$20K MRR: 5-15% MRR growth/month
$20K+ MRR: 3-8% MRR growth/month
3-month forecast:
Current MRR × (1 + monthly growth rate)^3 = projected MRR
Break-even forecast:
Monthly opex ÷ ARPU = customers needed to break even
Customers needed ÷ monthly new customers = months to break even
Red flags that mean pivot or stop: