What do I need to use Financial Statement Explainer?

The statement; The reader; The question behind it; Context.

Is Financial Statement Explainer free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Financial Statement Explainer

Q: How do I know the Financial Statement Explainer output is good?

The skill verifies itself against its own quality checks: Plain language — every term is explained, no unglossed jargon; Interpretation uses only the figures provided; missing data is flagged, not invented; The few ratios/numbers that matter for this reader are highlighted with their meaning; It answers the reader's underlying question, not just describes the rows.

🔵 Stable🕐 updated 2026-06-30 🔷 SkillSpec L3 pm-accounting

Explain a financial statement (P&L, balance sheet, or cash flow) in plain English. Use when asked to explain a P&L / income statement, a balance sheet, a cash flow statement, or to make financials understandable to a non-finance reader. Produces a plain-language walkthrough — what each section means, the line items that matter, the key ratios, and the story the numbers tell — so a non-accountant can read and act on it. Not financial advice.

▶ Run it free — no key needed 📝 Grade your existing draft View SKILL.md ↗

What to give it

▸The statement — which one (P&L / balance sheet / cash flow), the figures, and the period.

▸The reader — who needs to understand it and why (a founder, a manager, an investor conversation).

▸The question behind it — what they're trying to learn (Are we profitable? Can we make payroll? Why is cash tight?).

▸Context — business type/stage, if it helps interpret what's normal.

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓Plain language — every term is explained, no unglossed jargon

✓Interpretation uses only the figures provided; missing data is flagged, not invented

✓The few ratios/numbers that matter for this reader are highlighted with their meaning

✓It answers the reader's underlying question, not just describes the rows

✓The "profit vs. cash" distinction is made clear where relevant

✓Frames as education with a prompt to verify with a professional — not financial advice

⚠️ What it refuses to do

Do not invent figures or compute ratios from numbers you weren't given

Do not drown the reader in every line — surface what matters for their question

Do not give investment/financial *advice* — explain, and point decisions to a professional

Do not assume accounting literacy — define terms as you go

Do not conflate profit and cash — they're different and the reader needs to know why

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="financial-statement-explainer"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Financial Statement Explainer is one of 599 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog