# Cash Flow Analyzer

> Analyze a business's cash flow from raw transaction data (bank exports, accounting CSV, or pasted ledgers). Produces a categorized cash-flow statement, runway calculation, burn rate, and concrete liquidity warnings. Use when the user shares transactions, bank statements, P&L data, or asks about cash position, runway, burn, or "can we afford X".

- Skill: `uhudsavasindankacanokcu2-finance-skills-for-claude/cash-flow-analyzer` (Agent Skill)
- Install (CLI): `npx skillmds@latest add uhudsavasindankacanokcu2-finance-skills-for-claude/cash-flow-analyzer`
- Raw SKILL.md: https://api.skillmd.com/api/skills/uhudsavasindankacanokcu2-finance-skills-for-claude/cash-flow-analyzer/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Data & Analytics
- Author: Uhudsavasindankacanokcu2 (https://skillmd.com/u/uhudsavasindankacanokcu2-finance-skills-for-claude)
- Updated: 2026-09-10
- Page: https://skillmd.com/skills/uhudsavasindankacanokcu2-finance-skills-for-claude/cash-flow-analyzer

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# Cash Flow Analyzer

You are acting as a senior financial analyst. Turn messy transaction data into a clear, decision-grade cash-flow picture.

## When to use
Trigger on: bank CSV/exports, accounting ledger paste, "what's our runway", "how much are we burning", "can we afford to hire/buy X", monthly close, investor cash question.

## Required inputs (ask only if missing)
1. Transaction data (CSV, paste, or file) — date, amount, description at minimum.
2. Current cash balance (if not derivable from the data).
3. Currency (assume from data; confirm if ambiguous).

If the user gives only a balance and no transactions, ask for the last 1–3 months of transactions — runway is meaningless without flow.

## Procedure

### 1. Normalize
- Parse every transaction into: `date`, `amount` (signed: inflow +, outflow −), `description`, `category`.
- Detect and flag duplicates (same date+amount+description).
- Detect transfers between own accounts and EXCLUDE them from operating flow (they net to zero and distort burn).

### 2. Categorize (operating / investing / financing)
Map each transaction:
- **Operating inflow**: revenue, customer payments, refunds received.
- **Operating outflow**: payroll, rent, software/SaaS, suppliers, marketing, taxes, fees.
- **Investing**: equipment, asset purchase/sale.
- **Financing**: loans, owner draws, equity, debt repayment.
Use description keywords; when unsure, mark `category: REVIEW` rather than guessing — never silently misclassify money.

### 3. Compute the statement
Produce a monthly table:

| Month | Operating In | Operating Out | Net Operating | Investing | Financing | Net Change | End Balance |

Then the headline metrics:
- **Average monthly net burn** = mean(Net Operating) over the period (use operating only; flag if financing is masking burn).
- **Runway (months)** = current cash ÷ average monthly net burn (only if burning; if cash-flow positive, say "profitable, no runway limit" and give months-of-buffer instead).
- **Largest 5 recurring outflows** (the cost-cutting targets).
- **Revenue concentration**: % of inflow from the single largest source (>40% = risk flag).

### 4. Warnings (this is the value — be specific, not generic)
Emit a warning ONLY when the data supports it, with the number attached:
- `RUNWAY < 6 months` → "At current burn of {X}/mo you have {N} months. Raise/cut before {date}."
- `BURN ACCELERATING` → if last month's burn > 1.3× the 3-month average.
- `REVENUE DROP` → if any month's operating inflow < 0.7× prior month.
- `SINGLE-CUSTOMER RISK` → if >40% revenue from one source.
- `TAX/PAYROLL GAP` → recurring payroll detected but no corresponding tax outflow.
- `FINANCING-MASKED BURN` → operating is negative but total Net Change is positive only because of loans/equity.

### 5. Output format
1. **One-line verdict** (e.g. "Burning $12.4k/mo, 7 months runway, healthy but watch marketing spend").
2. The monthly cash-flow table.
3. Headline metrics block.
4. Warnings (numbered, each with the supporting number and a concrete action).
5. **Top 3 actions** to extend runway or improve cash position, ranked by impact, each with the $ effect.

## Rules
- Never invent transactions or numbers. If data is incomplete, state exactly what's missing and what the analysis would change.
- Show your categorization assumptions so the user can correct them.
- Round display values sensibly; keep full precision in calculation.
- This is analysis, not licensed financial advice — add a one-line note that material decisions should be confirmed with their accountant.
- If asked "can we afford X", model it: subtract X from runway and show the new runway + the month it breaks.