AI 프롬프트: 재무 계획

Build a 12-month cash flow projection for my business.

Business type: [industry and model]
Monthly revenue: [current average]
Revenue trend: [growing/flat/declining and by how much]
Fixed costs: [list with amounts]
Variable costs: [list with percentage of revenue]
Upcoming expenses: [any large one-time costs]
Cash on hand: [current balance]

Create:
1. A month-by-month cash flow table with inflows, outflows, and net position
2. The month I'm most likely to face a cash crunch
3. Three scenarios: optimistic, realistic, pessimistic
4. Key assumptions listed explicitly so I can adjust them
5. A cash reserve recommendation and target amount
6. Two actions to improve cash flow this quarter

Help me develop pricing for [product/service].

Current price: [amount or 'not yet set']
Cost to deliver: [per unit or per customer cost]
Competitor pricing: [list 3-5 competitors and their prices]
Target customer: [who buys this and their budget range]
Value delivered: [what the customer gains in measurable terms]
Goal: [maximize revenue / market share / premium positioning]

Provide:
1. Three pricing models to consider (and which fits my business best)
2. A specific price recommendation with reasoning
3. Pricing psychology tactics to apply (anchoring, tiering, etc.)
4. A 3-tier pricing structure with feature differentiation
5. How to test the price without alienating existing customers
6. A pricing page layout recommendation with the 'nudge' tier highlighted

Create an annual operating budget for my business.

Business: [type and stage — startup/growing/established]
Annual revenue target: [amount]
Team size: [current and planned hires]
Major initiatives: [what you're investing in this year]
Last year's actual spending: [categories and amounts if available]
Funding situation: [bootstrapped/funded/profitable]

Build:
1. A budget template with all major categories and monthly allocations
2. Revenue projections broken down by source or product line
3. Headcount plan with fully-loaded cost per role
4. A 'must-have' vs. 'nice-to-have' split for discretionary spending
5. Variance thresholds: when to investigate overspending
6. A quarterly budget review process with specific questions to ask

Help me understand the unit economics of my business.

Product/service: [what you sell]
Average sale price: [amount]
Cost to acquire a customer: [ad spend, sales team cost, etc.]
Cost to deliver: [fulfillment, COGS, support costs]
Customer retention: [how long the average customer stays]
Upsell/cross-sell rate: [percentage who buy more]
Monthly active customers: [current count]

Calculate and explain:
1. Customer Lifetime Value (LTV) with the formula used
2. Customer Acquisition Cost (CAC) breakdown
3. LTV:CAC ratio and what it means for my business
4. Gross margin and contribution margin per customer
5. Payback period: months to recoup acquisition cost
6. Three levers to improve unit economics, ranked by impact

Help me build a financial model for [purpose: fundraising / board presentation / planning].

Business: [description and stage]
Revenue model: [how you make money]
Current metrics: [MRR, growth rate, churn, etc.]
Projection period: [3 years / 5 years]
Key assumptions: [growth rate, hiring plan, market size]
Funding needed: [amount if raising]

Build:
1. A P&L projection (revenue, COGS, gross margin, operating expenses, EBITDA)
2. Key driver assumptions table with high/mid/low scenarios
3. Headcount plan mapped to revenue milestones
4. A sensitivity analysis: which assumptions have the biggest impact
5. Charts that tell the story investors want to see
6. Common questions investors will ask about these numbers (and answers)

Analyze my business expenses and find savings.

Monthly expenses by category:
[List each category with amount: payroll, software, rent, marketing, etc.]

Revenue: [monthly revenue]
Team size: [number of employees]
Growth stage: [pre-revenue / growing / profitable]
Expenses I think are too high: [what concerns you]
Expenses I can't cut: [non-negotiable costs]

Provide:
1. Benchmark comparison: how my spending compares to similar businesses
2. Top 5 expense reduction opportunities with estimated savings
3. Which costs are investments (grow revenue) vs. overhead (keep lights on)
4. Vendor renegotiation scripts for the top 3 highest expenses
5. Software audit: which subscriptions to consolidate or cancel
6. A monthly expense review checklist to prevent cost creep