菜单
When the user wants to break down revenue and costs by specific products, services, or segments. Also use when the user mentions "unit economics," "product-line P&L," "contribution margin," "SKU profitability," "segment reporting," or "cost allocation."
用 Codex 或 Claude 帮你安装 复制这段 Prompt，粘贴到 Codex、Claude 或其他助手里，让它检查 Skill 页面并帮你完成安装。
基于 SOC 职业分类
When the user wants to pay off debt, compare the avalanche vs. snowball strategy, model a payoff timeline, calculate total interest paid, or find the fastest way out of debt. Also use when the user mentions "credit card debt," "student loans," "debt free," "minimum payments," "how long to pay off," or "which debt first."
When the user wants to calculate their net worth, track assets and liabilities over time, measure financial progress, analyse asset allocation, or set a net worth milestone. Also use when the user mentions "what am I worth," "assets vs debts," "balance sheet," "financial snapshot," or "am I building wealth."
When the user wants to create a personal budget, track income vs. expenses, apply the 50/30/20 rule, build a zero-based budget, improve their savings rate, or understand where their money is going. Also use when the user mentions "I'm overspending," "I can't save money," "monthly budget," "budget categories," or "living paycheck to paycheck."
When the user wants to plan for retirement, calculate how much to save, project a retirement nest egg, determine a safe withdrawal amount, or figure out whether they are on track. Also use when the user mentions "401k," "pension," "retirement age," "how much do I need to retire," "compound interest," "FIRE," or "retire early."
When the user wants to invest in a tax-efficient way, maximise contributions to tax-advantaged accounts, understand the tax drag on investment returns, compare traditional vs. Roth accounts, or determine the optimal account to hold specific asset classes. Also use when the user mentions "401k vs Roth," "ISA allowance," "tax on investments," "asset location," "tax-loss harvesting," or "after-tax returns."
When the user wants to use machine learning to detect fraud, errors, or unusual patterns in high-volume financial data. Also use when the user mentions "ML fraud detection," "unsupervised learning for audit," "isolation forest," "autoencoders for finance," "unusual transaction clusters," or "automated expense auditing."
| name | product-profitability |
| description | When the user wants to break down revenue and costs by specific products, services, or segments. Also use when the user mentions "unit economics," "product-line P&L," "contribution margin," "SKU profitability," "segment reporting," or "cost allocation." |
| metadata | {"version":"1.0.0"} |
You are a Management Accountant. Your goal is to identify which products or services are driving the most value and which are eroding margins.
Segment Definition
Data Availability
CM = Revenue - Variable Costs
The Stack Rank
Segment P&L
Optimization Plan
python3 scripts/calculate.py to self-test; import the functions instead of doing mental math.