CODITECT Financial Modeling Quick Start

Build a complete 60-month SaaS financial model in 10 minutes. This guide covers the /fm engine (ADR-177), 4 persona agents, and multi-persona orchestration workflows.

Prerequisites: CODITECT installed and working. Run /orient to verify. If you need setup help, see USER-QUICK-START.md.

What You Get

Output	Format	Use Case
Static Workbook	XLSX (10 sheets)	Board decks, investor presentations
Formula Workbook	XLSX (10 sheets)	What-if analysis — change inputs, everything recalculates
Structured Data	JSON	API consumption, BI tool ingestion
Flat Data	CSV	pandas/R analysis, spreadsheet import

Part 1: Build Your First Model (3 Commands)

Step 1: Create a Scenario with Defaults

/fm seed-defaults mycompany

This loads CODITECT's default SaaS assumptions:

3 pricing tiers (Individual $20/mo, Team $75/mo, Enterprise $1,300/mo)
8 growth rate periods (100% early-stage down to 0.5% at maturity)
5 expense categories across 3 company stages
5 headcount growth periods (2 to 18 employees over 60 months)

Step 2: Add Funding Rounds

/fm funding add mycompany seed 2M M6
/fm funding add mycompany series-a 15M M18

This adds a $2M seed round at month 6 and a $15M Series A at month 18. Amounts use shorthand: 2M = $2,000,000, 500K = $500,000.

Step 3: Build All Outputs

/fm build mycompany --format all

Output:

Computing model for scenario: mycompany...
  Breakeven: M11
  M60 ARR: $4,602,620
  M60 Cash: $9,449,056
  Peak Burn: $4,514
  xlsx:    CODITECT_FM_mycompany.xlsx
  formula: CODITECT_FM_mycompany_FORMULA.xlsx
  json:    CODITECT_FM_mycompany.json
  csv:     CODITECT_FM_mycompany.csv

You now have a complete 60-month financial model with P&L, revenue breakdown, cash flow, unit economics, and a dashboard — in 4 formats.

Part 2: Customize Your Model

Adjust Pricing

/fm pricing mycompany --tier enterprise --price 1500 --cac 1200 --churn 0.08 --mix 0.15
/fm pricing mycompany --tier team --price 99 --cac 80 --churn 0.15 --mix 0.30
/fm pricing mycompany --tier individual --price 25 --cac 15 --churn 0.30 --mix 0.55

Parameter	Meaning
`--price`	Monthly price per seat/license
`--cac`	Customer acquisition cost
`--churn`	Monthly churn rate (0.08 = 8%)
`--mix`	Revenue mix percentage (must sum to 1.0)

Adjust Growth Rates

/fm growth mycompany --range M1-M3 --rate 1.00    # 100% MoM months 1-3
/fm growth mycompany --range M4-M6 --rate 0.50    # 50% MoM months 4-6
/fm growth mycompany --range M7-M12 --rate 0.20   # 20% MoM months 7-12
/fm growth mycompany --range M13-M24 --rate 0.10  # 10% MoM year 2
/fm growth mycompany --range M25-M60 --rate 0.03  # 3% MoM at scale

Rebuild After Changes

/fm build mycompany --format all

The engine auto-invalidates cached computations when assumptions change, so every build reflects your latest inputs.

Part 3: Compare Scenarios

Create an Aggressive Variant

/fm scenario clone mycompany aggressive
/fm growth aggressive --range M1-M3 --rate 1.50
/fm growth aggressive --range M4-M6 --rate 0.80
/fm funding add aggressive series-b 40M M30

Side-by-Side Comparison

/fm compare mycompany aggressive

Output:

Metric               mycompany       aggressive      Delta
----------------------------------------------------------
M60 ARR              $4,602,620      $6,728,450      +$2,125,830
M60 Cash             $9,449,056      $12,183,200     +$2,734,144
Breakeven Month      M11             M8              -3 months
Peak Monthly Burn    $4,514          $4,514          $0
M24 NRR              106.0%          106.0%          +0.0%

Export for Data Room

/fm export mycompany --output mycompany_assumptions.json
/fm build mycompany --format xlsx --output /tmp/investor-deck/

Part 4: Use Persona Agents

CODITECT provides 4 financial persona agents, each specialized for different roles and workflows. Use them instead of raw /fm commands for guided, role-appropriate financial work.

The 4 Personas

CFO (orchestrator)
 |-- FP&A Analyst (specialist) -- scenarios, sensitivity, forecasting
 |-- Finance Controller (specialist) -- budget, controls, audit
 +-- Financial Analyst (specialist) -- model building, valuation

When to Use Which Persona

You Want To...	Use This Agent	Command
Build a financial model from scratch	Financial Analyst	`/agent financial-analyst "Build a 60-month SaaS model for [company]"`
Compare scenarios and run what-if analysis	FP&A Analyst	`/agent fpa-analyst "Compare base vs aggressive scenarios"`
Check budget alignment and audit trail	Finance Controller	`/agent finance-controller "Review budget variance for Q1"`
Prepare board deck or investor materials	CFO	`/agent cfo "Prepare investor package for Series A"`
Run the full pipeline (all 4 phases)	CFO	`/agent cfo "Full financial package for [company]"`

Example: Financial Analyst Builds a Model

/agent financial-analyst "Build a complete SaaS financial model for Acme Corp.
  Individual tier at $29/mo, Team at $99/mo, Enterprise at $1,500/mo.
  Seed round $2.5M at month 6, Series A $12M at month 18.
  Output all formats."

The Financial Analyst agent will:

Run /fm seed-defaults acme-corp
Configure pricing for all 3 tiers
Add funding rounds
Adjust growth rates based on your tier mix
Run /fm build acme-corp --format all
Validate outputs via the financial-model-validator hook
Return a summary with file paths

Example: FP&A Analyst Runs Scenarios

/agent fpa-analyst "Create 3 scenarios for Acme Corp:
  - Conservative: 50% slower growth
  - Base: current assumptions
  - Aggressive: 2x growth, add Series B at month 30
  Compare all three and highlight breakeven sensitivity."

The FP&A Analyst agent will:

Clone the base scenario twice
Adjust growth rates for each variant
Add funding to the aggressive scenario
Run /fm compare between each pair
Produce a sensitivity summary

Example: CFO Orchestrates Full Pipeline

/agent cfo "Full financial package for Acme Corp investor presentation.
  Include model, 3 scenarios, budget validation, and board-ready materials."

The CFO agent orchestrates all 4 phases:

Phase	Agent	What Happens
1. Model Construction	Financial Analyst	Builds the foundational model
2. Scenario Analysis	FP&A Analyst	Creates and compares variants
3. Validation	Finance Controller	Checks budget alignment, audit trail
4. Strategic Review	CFO	Produces investor/board materials

Part 5: Use the Routing Skill

Not sure which persona to use? The routing skill decides for you:

/agent orchestrator "Route this request to the right financial persona:
  I need to prepare materials for a board meeting next week showing our
  financial projections and scenario analysis."

Routing Decision Tree

Your Request Contains...	Routed To
"build a model", "create projections"	Financial Analyst
"compare scenarios", "what-if", "sensitivity"	FP&A Analyst
"budget variance", "audit", "reconciliation"	Finance Controller
"investor deck", "board presentation"	CFO
"full financial package"	All (4-phase pipeline)

Command Reference

All /fm Subcommands

Command	Purpose	Example
`seed-defaults`	Create scenario with defaults	`/fm seed-defaults base`
`scenario list`	List all scenarios	`/fm scenario list`
`scenario clone`	Clone a scenario	`/fm scenario clone base aggressive`
`scenario delete`	Delete a scenario	`/fm scenario delete old`
`funding add`	Add funding round	`/fm funding add base seed 2M M6`
`funding list`	List funding rounds	`/fm funding list base`
`pricing`	Set tier pricing	`/fm pricing base --tier enterprise --price 1500`
`growth`	Set growth rates	`/fm growth base --range M1-M6 --rate 0.50`
`build`	Generate outputs	`/fm build base --format all`
`compare`	Compare scenarios	`/fm compare base aggressive`
`export`	Export to JSON	`/fm export base`
`import`	Import from JSON	`/fm import scenario.json`
`history`	View audit trail	`/fm history base`

All Persona Agents

Agent	Role	Key Strengths
`financial-analyst`	Model builder	`/fm seed-defaults`, `pricing`, `growth`, `build`
`fpa-analyst`	Scenario analyst	`/fm scenario clone`, `growth`, `compare`
`finance-controller`	Budget validator	`/fm compare`, `history`, `build --format xlsx`
`cfo`	Strategic orchestrator	Delegates to all 3, produces board materials

Output Formats

Format	Sheets/Structure	Best For
Static XLSX	Cover, Engine, P&L, Revenue, Expenses, Cash Flow, Dashboard, Unit Econ, Comparables, Assumptions	Embedding in presentations
Formula XLSX	Inputs, Engine, P&L, Revenue, Expenses, Cash Flow, Dashboard, Unit Econ, Comparables, Instructions	Interactive what-if analysis
JSON	metadata, summary, assumptions, monthly_data	API integration
CSV	Flat monthly rows	Data analysis

Quick Workflows

Investor Prep (15 minutes)

/fm seed-defaults pitch
/fm funding add pitch seed 2M M6
/fm funding add pitch series-a 15M M18
/fm build pitch --format xlsx          # Static for slide embedding
/fm build pitch --format formula       # Interactive for due diligence
/fm export pitch                       # JSON for data room

Monthly Operations Review

/agent financial-analyst "Update the base model with latest actuals"
/agent fpa-analyst "Compare base vs Q1 actuals, highlight variances"
/agent finance-controller "Validate budget alignment for March"

Board Meeting Package

/agent cfo "Prepare Q1 board package:
  - Updated 60-month projections
  - Base vs aggressive vs conservative scenarios
  - Budget variance analysis
  - Investor-ready materials"

Troubleshooting

Problem	Solution
`xlsxwriter not found`	Engine self-provisions: `pip3 install xlsxwriter`
`Scenario not found`	Run `/fm scenario list` to see available scenarios
`Database locked`	Wait for other builds to complete, retry
`Validation FAIL`	Check reconciliation errors in build output
`No output files`	Ensure `--format` flag is specified

Architecture

/fm command  -->  coditect_fm.py (ADR-177)
                       |
              +--------+--------+
              |                 |
        SQLite DB          Output Formatters
        (10 tables)        (XLSX/JSON/CSV)
              |
        13 Cache Triggers
        (auto-invalidation)

Key files:

Product Submodule: submodules/products/coditect-financial-model/ (ADR-179)
Engine: submodules/products/coditect-financial-model/src/coditect_fm.py
Seed data: submodules/products/coditect-financial-model/data/CODITECT_Model_Export.json
ADR-177: internal/architecture/adrs/ADR-177-database-driven-financial-model-engine.md
ADR-179: internal/architecture/adrs/ADR-179-hybrid-financial-model-distribution.md

Resource	Path
`/fm` Command Reference	`commands/financial-model.md`
Persona Routing Skill	`skills/financial-model-personas/SKILL.md`
Orchestration Workflow	`docs/workflows/fm-orchestration-workflow.md`
Validation Hook	`hooks/financial-model-validator.md`
Component Inventory	`internal/analysis/financial-model-ecosystem/financial-model-ecosystem-component-inventory-2026-02-12.md`
ADR-177	`internal/architecture/adrs/ADR-177-database-driven-financial-model-engine.md`

Track: N.6.14.1.1 ADR: ADR-177 (Database-Driven Financial Model Engine)

What You Get​

Part 1: Build Your First Model (3 Commands)​

Step 1: Create a Scenario with Defaults​

Step 2: Add Funding Rounds​

Step 3: Build All Outputs​

Part 2: Customize Your Model​

Adjust Pricing​

Adjust Growth Rates​

Rebuild After Changes​

Part 3: Compare Scenarios​

Create an Aggressive Variant​

Side-by-Side Comparison​

Export for Data Room​

Part 4: Use Persona Agents​

The 4 Personas​

When to Use Which Persona​

Example: Financial Analyst Builds a Model​

Example: FP&A Analyst Runs Scenarios​

Example: CFO Orchestrates Full Pipeline​

Part 5: Use the Routing Skill​

Routing Decision Tree​

Command Reference​

All /fm Subcommands​

All Persona Agents​

Output Formats​

Quick Workflows​

Investor Prep (15 minutes)​

Monthly Operations Review​

Board Meeting Package​

Troubleshooting​

Architecture​

Related​