Cashflow Template Generator

Best for: Initial cashflow assessment, monthly budget tracking, expense optimization

2. 3R Income Tracker

File: assets/3r_income_tracker.csv

Track income structure evolution across R1/R2/R3 framework over 12 months.

Features:

• Monthly tracking for all 3 income types
• Automatic percentage calculations
• Stage progression guidance (r1_building → financial_freedom)
• Year-over-year comparison capability

Usage:

# Copy template
cp assets/3r_income_tracker.csv ~/3r_income_tracker.csv

Best for: Income diversification planning, tracking progress from active to passive income, monitoring 3R evolution

3. Decision Tree Template

File: assets/decision_tree_template.md

Structured framework for evaluating major financial decisions using 4-criteria filter.

Features:

• 4-criteria evaluation: Cashflow impact, energy sustainability, risk asymmetry, exit plan
• Star rating system (1-5 stars per criterion)
• Best/worst/likely scenario analysis
• Action items and review schedule
• Decision matrix (GO/NO-GO/DEFER/MODIFY)

Usage:

# Copy template
cp assets/decision_tree_template.md ~/financial_decision_[topic].md

Best for: Big decisions (job change, business start, investment, side income), risk evaluation, structured decision-making

Template Customization

All templates can be customized based on user profile:

For Employed Individuals

• Focus on R1 income stability
• Fixed expenses (BPJS, transport)
• Emergency fund 3-6 months

For UMKM Owners

• Separate business and personal cashflow
• Volatile income tracking
• Emergency fund 6-9 months
• Tax optimization (PPh Final 0.5%)

For Freelancers

• Project-based income tracking
• High R2 opportunity focus
• Emergency fund 9-12 months
• Buffer for income gaps

For Sandwich Generation

• Dual dependency expenses (parents + children)
• Higher emergency fund requirement
• Health expense buffer
• Optional expenses scrutiny

Integration with Other Skills

These templates work best when combined with:

1. financial-calculator - Calculate emergency fund, buffer, targets → populate templates
2. cashflow-architect agent - Use templates as foundation for personalized financial planning

Usage Pattern

1. Identify user need - What aspect of cashflow planning?
2. Select appropriate template - Mapping, 3R tracking, or decision tree
3. Customize if needed - Adjust for user profile (employed/UMKM/freelancer/sandwich generation)
4. Provide template - Copy file or display content
5. Explain usage - How to fill in, what to focus on
6. Connect to calculators - Use financial-calculator to populate targets

Example Workflows

Workflow 1: Initial Cashflow Assessment

1. Provide cashflow_mapping_template.csv
2. User fills in current income/expenses
3. Run emergency_fund_calculator → populate target
4. Run buffer_calculator → populate target
5. Analyze results with cashflow-architect principles

Workflow 2: Income Diversification Planning

1. Run income_3r_calculator (analyze_current mode)
2. Provide 3r_income_tracker.csv
3. User tracks monthly progress
4. Review quarterly with stage progression guidance

Workflow 3: Major Decision Evaluation

1. User considering job change/business start
2. Provide decision_tree_template.md
3. Guide user through 4-criteria evaluation
4. Calculate impacts with financial-calculator
5. Make GO/NO-GO recommendation

Important Notes

• Templates use IDR currency by default
• CSV templates compatible with Excel, Google Sheets, LibreOffice
• Markdown templates render beautifully in Obsidian, Notion, or any MD viewer
• All templates follow cashflow-architect conservative principles
• Formulas in CSV are placeholders - adjust based on spreadsheet software