Individual skill

finances

Use this skill for the money math of a bootstrapped business: 'what's my quit number,' 'how many customers do I need,' 'how long is my runway,' 'should I raise money or bootstrap,' 'how much should I set aside for taxes,' 'do I need an accountant,' or 'are my numbers OK.' Works out the quit number, runway, and whether the business survives without outside money, sets up simple money habits, and says when the numbers mean stop. Not for setting a price (use pricing) or for forming a company (use legal).

skills/finances/SKILL.md

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Last checked: Nov 11, 2026

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Repository stars (not skill ratings): 262
Repository last updated: Oct 16, 2026
License: MIT

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# Finances

For a bootstrapper, runway is the main limit. Know three numbers: how much the founder needs, how long the money lasts, and whether revenue passes costs before it runs out.

## Step 1: The quit number

```
Monthly personal costs (rent, food, insurance, debt, other) + 20% buffer = monthly need
Revenue needed per month = monthly need ÷ 0.70     (covers tax, tools, and variance)
Customers needed         = revenue needed ÷ price
Timeline                 = customers needed ÷ realistic new customers per month
```

Show the timeline plainly. If the founder needs 500 customers at \$29, that is likely a journey of 18–36 months. **pricing** shows how a higher price shortens it.