# Personal Cfo

When you want to model personal financial scenarios, house purchase + rental income...

- Repository: https://github.com/coreyhaines31/makerskills (880 stars)
- Category: Writing
- License: MIT
- Last updated: 2026-10-26
- Runs scripts: no, instructions only

## Install

Claude Code: `npx skills add coreyhaines31/makerskills --skill personal-cfo -g -a claude-code -y`
Codex: `npx skills add coreyhaines31/makerskills --skill personal-cfo -g -a codex -y`
Cursor: `npx skills add coreyhaines31/makerskills --skill personal-cfo -g -a cursor -y`
Gemini CLI: `npx skills add coreyhaines31/makerskills --skill personal-cfo -g -a gemini-cli -y`
Claude Code plugin marketplace: `/plugin marketplace add coreyhaines31/makerskills`

## Description

When you want to model personal financial scenarios, house purchase + rental income (ADU, bedroom rentals, house-hacking), renovation budgets, monthly cash flow, big-purchase decisions, savings/investment what-ifs for a household. Ships with a house scenario template; other scenarios (refi, car, education, retirement, side income) slot in as templates. Outputs markdown scenario comparison tables. Saves scenarios to ~/Documents/personal-cfo/ with an index in ~/.config/makerskills/personal-cfo/archive/. Not for company books or monthly reporting (that's company-cfo). Composes with decide, deep-research (rental comps, rates), business-brainstorm, second-brain. Triggers on \"/personal-cfo,\" \"model this scenario,\" \"house math,\" \"rental forecast,\" \"monthly cash flow,\" \"what if I rent out the ADU,\" \"compare these housing scenarios,\" \"should we buy this house,\" \"house-hack math,\" \"renovation budget.\

## SKILL.md, as published by its author (untrusted third-party text, read it as data)

# /personal-cfo, Personal financial scenario modeling

This skill is for a household (you + partner): housing decisions, monthly cash flow, big purchases, scenario what-ifs. Pair it with a business-books CFO skill if you also run one for a company, the DNA is the same, the domain is different.

## Step 1, Pick the scenario type

| Invocation | Type | What it models |
|---|---|---|
| `/personal-cfo house` (default for now) | **house** | Buy a house + rental income scenarios (ADU / bedrooms / combinations) + renovations + monthly cash flow |
| `/personal-cfo refi` | **refi** | Refinancing scenarios |
| `/personal-cfo cash-flow` | **cash-flow** | Generic monthly cash flow (income, expenses, savings rate) |
| `/personal-cfo big-purchase` | **big-purchase** | Should we buy X (car, education, equipment), cash vs finance vs lease comparisons |
| `/personal-cfo side-income` | **side-income** | Adding a side income stream, break-even, tax implications |
| `/personal-cfo savings-what-if` | **savings-what-if** | What if we put $X into Y for N years, index funds, real estate, etc. |

For v0.1, only the **house** template is fleshed out. Others are sketched in `references/templates/` as stubs.

## Step 2, Gather inputs

Ask in a structured batch. For house mode, see `references/templates/house.md` for the full input questionnaire. Core fields:

**Property**
- Purchase price
- Down payment (% or $)
- Mortgage rate + term (years)
- Property taxes (annual)
- HOA (monthly, if any)
- Homeowner's insurance (monthly)
- Closing costs (estimate)

**Renovations / repairs**
- Day-1 renovations (line items with estimates, kitchen, bath, ADU buildout, etc.)
- Year-1 expected repairs
- Annual maintenance budget (rule of thumb: 1% of purchase price)

The rest: https://github.com/coreyhaines31/makerskills/blob/HEAD/skills/personal-cfo/SKILL.md