Three-Statement Modeling

Build or debug an integrated three-statement model where every line traces to a labeled driver, the balance sheet balances by construction, and a visible balance check must read zero.

⚠️ **Finance warning / Avertissement finance** : informational only, not investment advice. A model organizes assumptions, it does not validate them: an integrated model built on wrong drivers is precisely wrong, losses are possible on any decision taken from it, and no output here is a promise of return. Curated by Skill Harbor: the three-statement modeling skill of GAJETOso/financeskills. Use it to build or debug a model where the income statement, balance sheet and cash flow statement link correctly, or when someone says the balance sheet does not balance or a circular reference will not resolve. The build order is fixed. It starts with a drivers and assumptions sheet, every assumption in one labeled place with historical context, then builds the income statement (revenue by price times volume, cohort or segment, never a bare growth rate without basis, costs split variable, fixed and stepped, down through EBITDA, depreciation from the asset schedule, interest from the debt schedule, tax, to net income), then the supporting schedules: PP&E rollforward, working capital driven by DSO, DIO and DPO days, debt schedule, and equity rollforward. The balance sheet is driven entirely by those schedules with nothing hardcoded, and the cash flow statement is derived entirely from income statement and balance sheet deltas, its cash feeding the balance sheet cash line. The revolver plug handles the cash sweep logic (draw the shortfall below minimum cash, repay when excess cash exists), which creates the interest and cash circularity, resolved with an opening-balance interest convention or documented iterative calculation. A balance check, assets minus liabilities minus equity equals zero, is displayed on every period and flagged, because a model without a visible balance check is untrustworthy by default. The work is calibrated against at least three years of history and stress-tested on the plumbing itself. From the GAJETOso/financeskills repository (MIT). Honest caveats: you supply the historical statements and the opening balance sheet, which must itself balance, and every driver is yours to check. Skill Harbor never reviews the code, review it yourself before use.

At a glance

What: Build or debug an integrated three-statement model where every line traces to a labeled driver, the balance sheet balances by construction, and a visible balance check must read zero.
Cost: Free
Needs: Use "Three-Statement Modeling" with your Muse.
Install: Copy the installer prompt below into your Muse — your agent does the rest.

⚠️ **Finance warning / Avertissement finance** : informational only, not investment advice. A model organizes assumptions, it does not validate them: an integrated model built on wrong drivers is precisely wrong, losses are possible on any decision taken from it, and no output here is a promise of return. Curated by Skill Harbor: the three-statement modeling skill of GAJETOso/financeskills. Use it to build or debug a model where the income statement, balance sheet and cash flow statement link correctly, or when someone says the balance sheet does not balance or a circular reference will not resolve. The build order is fixed. It starts with a drivers and assumptions sheet, every assumption in one labeled place with historical context, then builds the income statement (revenue by price times volume, cohort or segment, never a bare growth rate without basis, costs split variable, fixed and stepped, down through EBITDA, depreciation from the asset schedule, interest from the debt schedule, tax, to net income), then the supporting schedules: PP&E rollforward, working capital driven by DSO, DIO and DPO days, debt schedule, and equity rollforward. The balance sheet is driven entirely by those schedules with nothing hardcoded, and the cash flow statement is derived entirely from income statement and balance sheet deltas, its cash feeding the balance sheet cash line. The revolver plug handles the cash sweep logic (draw the shortfall below minimum cash, repay when excess cash exists), which creates the interest and cash circularity, resolved with an opening-balance interest convention or documented iterative calculation. A balance check, assets minus liabilities minus equity equals zero, is displayed on every period and flagged, because a model without a visible balance check is untrustworthy by default. The work is calibrated against at least three years of history and stress-tested on the plumbing itself. From the GAJETOso/financeskills repository (MIT). Honest caveats: you supply the historical statements and the opening balance sheet, which must itself balance, and every driver is yours to check. Skill Harbor never reviews the code, review it yourself before use.

Version:

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Created by: @gajetoso

Not verified? How to check before you trust →

Install — Free · open source (MIT) View source code

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Install

Copy the install package below, then paste it into Muse

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The install prompt below already includes the vetting steps: your agent follows the community checklist before installing anything with executable code. Want more?

How to check a build before installing →

After installation, ask me if I want to leave private feedback
Private for now: only the Skill Harbor team sees it. Sellers may be looped in later.

Use "Three-Statement Modeling" with your Muse. Prerequisites: at least three years of historical statements for calibration, an opening balance sheet that actually balances, and the purpose of the model (budgeting, valuation feed, debt capacity or scenario planning), which sets its granularity. A spreadsheet tool or Python (pandas) is needed to keep the model: this skill builds it as a labeled structure, and every driver in it is yours to verify. Informational only, not investment advice. 1. Open the skill: https://github.com/GAJETOso/financeskills/blob/main/skills/three-statement-modeling/SKILL.md and copy the full SKILL.md text. 2. Paste it into a chat with Muse and add: "Build the model in the fixed order: drivers sheet first, income statement, the PP&E, working capital, debt and equity schedules, then the balance sheet and the cash flow statement derived from the deltas, with the balance check row shown for every period." 3. Stress the plumbing before trusting it: zero out revenue growth and spike capex, and confirm the revolver responds, interest updates, and the balance check still reads zero. Tip: keep the shipped calculate.py script in the loop for the core computations instead of mental math, and state the circularity convention you used in the model package. Safety: a skill is plain-text instructions; it runs nothing by itself. Modeling and analysis only, no orders and no account access. Informational only, not investment advice.

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Questions

How do I install a build?

Every product page includes a copy-paste install prompt. Paste it into your Muse and it sets the build up for you — no manual configuration.

Where does my money go?

Straight to the seller. Skill Harbor never processes payments: checkout happens on the seller’s own page, usually Stripe.

What does the ✓ next to a creator’s name mean?

It means we confirmed the identity of the person behind the listing. It says nothing about the code itself — always check a build before installing it.