/officecli-financial-model

name: officecli-financial-model
description: "Use this skill when the user wants to build a financial model — 3-statement model, DCF valuation, LBO, SaaS unit economics, sensitivity / scenario analysis, debt schedule, or fundraising projections — in Excel. Trigger on: 'financial model', '3-statement model', 'P&L + BS + CF', 'DCF', 'WACC', 'NPV', 'terminal value', 'LBO', 'debt schedule', 'cash sweep', 'MOIC', 'IRR / XIRR', 'sensitivity table', 'scenario analysis', 'ARR model', 'unit economics', 'CAC / LTV', 'cap table forecast'. Output is a single formula-driven .xlsx. This skill is a scene layer on top of officecli-xlsx — it inherits every xlsx v2 rule (4-color code, visual floor, number formats, cache-drift, Known Issues, Delivery Gate minimum cycle). DO NOT invoke for a simple budget tracker, CSV dump, or operational KPI sheet — route those to officecli-xlsx base."

OfficeCLI Financial-Model Skill

**This skill is a scene layer on top of `officecli-xlsx`.** Every xlsx hard rule — shell quoting, incremental execution, Help-First Rule, visual delivery floor, CFO 4-color code (blue input / black formula / green cross-sheet / yellow-fill assumption), number-format standards (years as text, zero as `-`, `%` one decimal, negatives in parens), assumption-cell discipline, CSV batch import, chart data-feed forms (a/b/c), the 5-gate Delivery cycle, cache-drift guidance, Known Issues (the cross-sheet `!` trap, batch + resident for formulas, renderer caveats) — is **inherited, not re-taught**. This file adds only what a **financial model** requires on top: three-zone architecture, 3 model-type recipes (3-statement / DCF / LBO), sensitivity + scenario protocols, financial-function patterns, circular-reference discipline, and model-specific Delivery Gates 4–6.

When the xlsx base rules cover it, the text here says `→ see xlsx v2 §X`. Read `skills/officecli-xlsx/SKILL.md` first if you have not.

Setup

If `officecli` is missing:

• **macOS / Linux**: `curl -fsSL https://d.officecli.ai/install.sh | bash`
• **Windows (PowerShell)**: `irm https://d.officecli.ai/install.ps1 | iex`

Verify with `officecli --version` (open a new terminal if PATH hasn't picked up). If install fails, download a binary from https://github.com/iOfficeAI/OfficeCLI/releases.

Help-First Rule

This skill teaches what a financial model requires, not every CLI flag. When a prop name / alias / enum is uncertain, consult help BEFORE guessing: `officecli help xlsx [element] [--json]`. Help is pinned to installed version — when this skill and help disagree, **help wins**. Every `--prop X=` below was verified against `officecli help xlsx <element>` on v1.0.63.

Mental Model & Inheritance

**Inherits xlsx v2.** Read `skills/officecli-xlsx/SKILL.md` first. This skill assumes you know `create` / `open` / `close`, `set` values/formulas, `batch` heredocs for cross-sheet formulas, `/SheetName/A1` paths, named ranges, the 5-gate Delivery cycle, the cross-sheet `!` trap, and that **cross-sheet formulas go non-resident (single batch OR individual `set`), never batch-while-resident**.

Shell & Execution Discipline

Shell quoting, incremental execution, `$FILE` convention → see xlsx v2 §Shell & Execution Discipline. Same rules: quote every `[N]` path, single-quote any prop containing `$` (every number format here — `$#,##0;($#,##0);"-"` — needs single quotes), no hand-written `\$`/`\t`/`\n`, one command at a time. Examples below use `$FILE` (`FILE="model.xlsx"`).

Core Principles (identity)

A financial model is an xlsx with a **decision-grade, formula-driven layer**: every output traces an unbroken chain to blue-font assumptions, every statement balances every period, every valuation is re-auditable. Eight deltas on top of a general xlsx:

1. **Three-zone architecture mandatory:** Inputs → Calc → Outputs. Collapsing zones → unauditable. 2. **Assumptions live in cells, never inside formulas.** `=B5*(1+Assumptions!GrowthRate)`, never `=B5*1.05`. 3. **Statements balance every period.** `Assets − Liab − Equity = 0`, `CF.EndingCash = BS.Cash`. Gate 4 fails on `IMBALANCED`. 4. **Hardcodes audited.** Calc sheets carry zero hardcoded numbers; Gate 6 counts. 5. **Sensitivity / scenario is first-class.** 2-axis grid, dropdown `INDEX/MATCH` switch, or Base/Upside/Downside cols. Excel Data Tables not reliably supported — manual grids only. 6. **Cached values on valuation cells load-bearing.** NPV / IRR / XNPV caching `0` ships a wrong number to non-recalculating readers. Gate 5 spot-checks. 7. **Circularity is a design choice.** Legitimate rings (interest ↔ cash, revolver plug ↔ ending cash) use `calc.iterate=true`. Accidental circularity is broken algebra — never papered with `iterate`. 8. **Named ranges for ≥ 3-use assumptions.** `WACC`, `TaxRate`, `TerminalGrowth`, `ExitMultiple`, `ChurnRate`. Declared-unused names are dead decoration — Gate 6 flags.

Reverse handoff — when to go BACK to xlsx base

Stay in **xlsx base** for: budget trackers, CSV-to-report dumps, operational KPI sheets, simple templates, cap tables without forecast logic. Use **this skill** only when the ask mentions: 3-statement / DCF / WACC / NPV / TV / LBO / debt schedule / MOIC / IRR / unit economics / ARR roll-forward / sensitivity grid / scenario switch / pro forma.

Three-zone architecture (hard rule)

Every model in this skill builds on three zones. **Name them, tab-color them, and enforce them with executable audits.** Breaking the zone rule is the single most common cause of an unauditable model.

| Zone | Sheet names (convention) | Tab color | Content | Hardcodes | Formulas | |---|---|---|---|---|---| | **Inputs** | `Assumptions`, `Inputs`, `Drivers` | Yellow `FFC000` | Raw drivers: growth rates, margins, tax, WACC, FTE, pricing, working-capital days | Blue `0000FF` on every cell | Allowed only for derived assumptions (e.g. `=MonthlyARPU*12`) | | **Calc** | `P&L`, `Balance Sheet`, `Cash Flow`, `DCF`, `Debt`, `ARR` | Blue `4472C4` | All derivations