AI CFO

# 📊 AI CFO

**Full AI Chief Financial Officer for Agent6ix LLC**

Connects Mercury Banking + Stripe into real-time business intelligence. Daily cash position, automated P&L, revenue tracking, expense categorization, cash flow forecasting, burn rate alerts, and weekly financial reports.

## Commands

| Command | Description |
|---------|-------------|
| `dashboard` | Full financial dashboard — balances, MRR, burn rate, runway |
| `transactions` | Recent transactions with AI categorization |
| `pnl` | P&L statement for any date range |
| `cashflow` | Cash flow analysis with 30/60/90 day forecast |
| `revenue` | Stripe revenue breakdown — MRR, new vs recurring, churn |
| `expenses` | Categorized expenses with trends and anomaly detection |
| `report` | Weekly/monthly executive financial report |
| `budget` | Set and track budgets by category |
| `runway` | Burn rate and runway calculation |
| `invoice` | Outstanding Stripe invoices and aging |

## Environment Variables

| Variable | Required | Description |
|----------|----------|-------------|
| `MERCURY_API_TOKEN` | Yes | Mercury Banking API token (read-only) |
| `STRIPE_API_KEY` | Yes | Stripe secret key (restricted, read-only) |
| `OPENROUTER_API_KEY` | Yes | For AI transaction categorization |

## Usage

```bash
python3 scripts/ai_cfo.py dashboard
python3 scripts/ai_cfo.py transactions --days 30
python3 scripts/ai_cfo.py pnl --start 2026-01-01 --end 2026-01-31
python3 scripts/ai_cfo.py cashflow
python3 scripts/ai_cfo.py revenue
python3 scripts/ai_cfo.py expenses --days 30
python3 scripts/ai_cfo.py report --period weekly
python3 scripts/ai_cfo.py budget --set Marketing 5000
python3 scripts/ai_cfo.py runway
python3 scripts/ai_cfo.py invoice
```

## Daily Automation

```bash
# Add to cron for daily 8 AM brief
python3 scripts/cfo_cron.py
```

## Data Storage

All data stored in `.data/sqlite/cfo.db`:
- Categorized transactions
- Budget allocations
- Daily snapshots
- Monthly P&L snapshots

## Credits
Built by [M. Abi...