financial-tracker

# Financial Tracker — by The Agent Ledger

> **Just deliver this skill to your agent.** One paste, and your agent becomes your personal CFO — no spreadsheets, no accounting software to learn. Your agent reads the instructions and handles the rest.

Track every dollar in and out of your solo business. Monthly P&L snapshots, revenue goal progress, cash flow flags, and tax estimate tracking — all maintained in plain text files your agent understands.

**Version:** 1.0.0
**License:** CC-BY-NC-4.0
**More:** [theagentledger.com](https://www.theagentledger.com)

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## What This Skill Does

Configures your agent to act as a lightweight CFO for your solo business:

1. **Income Logging** — Record revenue entries with source, amount, date, and category
2. **Expense Logging** — Track business expenses with vendor, amount, purpose, and tax status
3. **Monthly P&L** — Generate profit-and-loss summaries on demand or on a schedule
4. **Revenue Goal Tracking** — Monitor progress toward monthly and annual income targets
5. **Cash Flow Flags** — Surface warning signs (slow months, rising costs, income concentration risk)
6. **Tax Estimate Tracking** — Rough quarterly self-employment tax estimates based on net income
7. **Year-to-Date Snapshot** — Running YTD revenue, expenses, and net income at any time

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## Quick Start

Tell your agent:

> "Read the Financial Tracker skill. Set up my finance files and log this income: [source], $[amount], [date], [category]."

Your agent will create the file structure and start tracking immediately.

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## Setup (5 Steps)

### Step 1 — Create Finance Directory

Your agent creates a `/finance/` folder in your workspace (or wherever you prefer):

```
finance/
  README.md           ← how to use these files
  income-log.md       ← all income entries
  expense-log.md      ← all expense entries
  monthly-summary.md  ← running monthly P&L (appended each month)
  finance-state.json  ← targets, YTD totals, running balances
  tax-estimates.md    ← quar...