Individual skill

financial-ratio-analyzer

개인 재무 건전성을 진단하는 재무 비율 분석 도구. 'financial-analyst'와 'finance-reviewer' 에이전트가 재무 상태를 진단하고 수치를 검증할 때 이 스킬의 재무 비율 공식, 건전성 기준, 진단 프레임워크를 반드시 활용해야 한다. '재무 건전성 진단', '재무 비율 분석', '가계 재무 점검' 등에 사용한다. 단, 투자 전략이나 절세 방안은 이 스킬의 범위가 아니다.

ko/78-personal-finance/.claude/skills/financial-ratio-analyzer/skill.md

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Repository last updated: Mar 22, 2026
License: Apache-2.0

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# Financial Ratio Analyzer — 개인 재무 비율 분석기

개인/가구의 재무 건전성을 핵심 비율로 진단하고, 개선 방향을 제시한다.

## 핵심 재무 비율 8종

### 1. 저축률 (Savings Rate)

```
저축률 = (월 저축액 + 투자금) / 세후 월 소득 × 100

양호: 20%+    적정: 10-20%    위험: 10% 미만

세부 기준: