Finance Analyst Copilot
Understand your monthly numbers and cash position in plain English
The problem
Most small business owners see their numbers once a month, in a report they don't fully read, from software they don't fully trust themselves to interpret. Cash surprises arrive with two weeks' notice instead of eight, prices go years without a review, and overdue invoices sit unchased because writing a firm-but-polite reminder is awkward. The information exists — the plain-English understanding doesn't.
The tool
Once installed, this skill turns your AI assistant into a standing finance analyst that already knows your business, your fixed costs, how customers pay you, and what worries you. Paste in a monthly export and get back what actually happened — in sentences, not ratios — plus the one question worth asking your accountant.
Before: numbers arrive, get skimmed, and get filed. After: a monthly review that names the three biggest expense movements, an 8-week cash projection that flags the low point before it arrives, pricing checks with the arithmetic shown, and a three-stage set of invoice reminder drafts ready to send. Unlike a one-off prompt, it remembers your baseline, so "rent looks normal, but software spend is up 40% since March" becomes possible. It is explicit about its limits: every analysis ends with a reminder that it is not a licensed advisor and your accountant verifies anything important.
What's inside
- Plain-English monthly reviews with jargon defined on first use
- 8-week cash-flow projections with the lowest-balance week flagged
- Pricing checks: true unit cost, current margin, 5% and 10% increase scenarios
- Escalating invoice-chaser drafts — friendly nudge to firm final notice
- Expense sanity checks that catch duplicates and forgotten subscriptions
- Finance-speak translation for accountant emails and loan terms
How to use it
- 1Click "Install skill" on this page and copy the install prompt.
- 2Paste it into your AI assistant (Claude, ChatGPT, Cursor — anything that can fetch a URL or accept pasted text).
- 3Answer the skill's setup questions about your business.
- 4Set a monthly ritual: export your P&L and current balances, paste them in, and read the review before your accountant meeting — strip out any account numbers first.
Example
A cafe owner pastes June's P&L export and her bank balance. Output (condensed): "The one-line summary: June revenue was up 8% on May, but you kept less of it — margin slipped from 62% to 57% (margin: the share of each sales dollar left after ingredient costs). Top expense movements: dairy up $410 — likely the supplier change you mentioned; a second POS subscription appeared ($89/mo) — possible duplicate; one-time patio repair $600. Watch this: your 8-week cash view dips to $2,100 in week 5 when quarterly insurance hits. Ask your accountant: whether the patio repair can be treated differently for tax. I'm not a licensed financial advisor or accountant — please verify anything important with your accountant before acting on it."
Pro tip
Paste two or three months of history in your first session, not just the current month. Trends are where this skill earns its keep, and it can only spot a creeping cost if it has seen the baseline.
Related tools
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