Clone Finance

Highlights

• Build an ARR waterfall from your MRR export

  See where your ARR came from and where it went each month: new, expansion, contraction, churn, and reactivation, with NRR and GRR. A script builds it from a subscriptions or MRR-by-customer CSV, so the numbers are repeatable and tie out, and writes markdown, CSV, and a per-customer movements file. Works offline.

  Sample run: builds the waterfall and cohort NRR from the example export: Arr waterfall movements

• Write your investor update or board memo

  Draft a monthly investor update email or a quarterly board memo from your own numbers and notes. Leads with a clear headline, shows metrics against plan and last period, tells lowlights straight, follows up on last update's promises, and ends with specific asks. Never invents a number; gaps are marked for you to fill. A writing aid, not legal, accounting, or investment advice.

• Work out your startup's cash runway

  Answer how much runway you have and when you need to raise, from cash in the bank, monthly burn, revenue growth, and planned hires. Gives runway in months, cash-zero and raise-by dates, breakeven, and an 18-month table for base, lean, and upside scenarios, from one inputs file and a script. A planning model, not financial advice.

  Sample run: projects three scenarios from the example inputs: Runway

• Stop runaway AI spend with caps and alerts

  Stop runaway AI spend before it eats your margin, with per-customer spend caps, spike alerts, and limits on runaway agent runs. It sets the limits from your own usage, checks usage against them with month-end forecasts and failure rate alerts, and writes a runbook for each alert. Runs on usage files and exits with code 2 on critical alerts, for cron or CI.

  Sample run: catches the example spike, cap breach, and runaway runs: Guardrails

• Categorize bank and card transactions

  See where your money goes by sorting a bank or credit card CSV export into spending categories. Uses a plain rules file you own and edit, so the same export always gives the same answer, and writes a categorized CSV, spend by category and month, and unknown merchants with suggested rules. Runs offline; good for budgets and month-end close.

  Sample run: categorizes the example bank export and lists unknowns: Expenses categorized

• Write the monthly finance update with plan vs actual

  Write the monthly finance update for your leadership team, board, or investors from revenue, costs, cash, and plan. A script computes plan vs actual, flags the variances that matter, and works out burn and runway; Claude drafts the narrative and asks you for the reason behind each big variance. Never sends it for you. A reporting aid, not financial advice.

  Sample run: computes plan vs actual, burn, runway, and flags from the example month: Finance update variance