Budget Tracker — Personal Finance & Expense Auditor

Performs financial ratio analysis, DCF valuation, budget variance analysis, and rolling forecast construction for strategic decision-making using financial statements and spreadsheet data.

Provides strategic financial frameworks for startup CFOs and finance leaders, including financial modeling, unit economics analysis, fundraising strategy, cash management, and board financial packages.

Routes finance requests to the appropriate skill: financial-analyst for ratio analysis, DCF valuation, and budget variance, or saas-metrics-coach for ARR/MRR, churn, CAC/LTV, and NRR.

Build a quarterly bookings forecast with commit, best-case, and pipe-only tiers, project cohort-level NRR/GRR to surface leaky cohorts, and score per-stage funnel confidence using coefficient-of-variation analysis.

Calculates SaaS health metrics like ARR, MRR, churn, LTV, and CAC from raw business numbers, benchmarks them against industry standards, and provides prioritized actionable advice.

Deposit, withdraw, and transfer ETH or USDC privately on Base using Veil Cash's ZK privacy pools, with key management and Bankr integration for signing.