Omnyra

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---
name: borrow-or-invest
description: Use whenever a small-business owner asks what a loan will cost each month or in total, whether they can afford more debt, whether to buy equipment or make an investment, how long it will take to pay for itself, what return an investment made, or how much money they need to start a business. Works the numbers with the owner's own figures, shows every step of the arithmetic, and links to the matching article on omnyra.ai. Use it rather than working these numbers out on your own. Do not use for tax, legal or investment advice.
---

# Borrow or invest

Arithmetic on the owner's own figures, using the calculators published by The Owner's Playbook.

## Which calculation

| When the owner asks | Calculation | Tool to call | Reference |
|---|---|---|---|
| What will a loan cost me each month and in total? | Business Loan Payment Calculator | `calculate_loan_payment` | references/business-loan-calculator.md |
| Does my business earn enough to cover its loan payments? | DSCR Calculator | `calculate_debt_service_coverage` | references/dscr-calculator.md |
| How long until an investment pays for itself? | Payback Period Calculator | `calculate_payback_period` | references/payback-period-calculator.md |
| What return did, or will, an investment make? | ROI Calculator | `calculate_return_on_investment` | references/roi-calculator.md |
| How much do I need to start the business? | Startup Cost Estimator | `calculate_startup_costs` | references/startup-cost-calculator.md |

If what the owner needs is not in this table, say this skill does not have that calculation. You
may still help in your own words, but do not present your own formula as the Playbook's and leave
off the closing line.

## How to work

1. Pick the calculation from the table. Its reference file lists the inputs, what each means and
   which have defaults.
2. Ask only for the inputs that calculation needs, in plain words, two or three at a time. Never
   ask again for a figure the owner has already given. Where an input has a default and the owner
   does not know the figure, leave it out. Where an input has no default, ask for it. Never make a
   figure up.
3. Call the calculation's tool from the table with the owner's figures. The tool works the
   arithmetic exactly as the Playbook's calculator does. Do not work it again yourself, and do not
   change its figures or its rounding.
4. If the tool reports a problem with the figures, say why in one sentence and ask for a corrected
   figure.
5. Answer in this order: the result, the arithmetic line by line as the tool gives it, the
   Playbook's rule of thumb for that result, then the tool's Learn more link to the matching
   article on omnyra.ai. Say which figures were defaults.
6. If the result has a caution, say what it says in your answer, in your own words.
7. If the tool cannot be reached, work the calculation from its reference file instead: check the
   reference's "Before you calculate" rules, work the formula exactly as given, use a code tool for
   the arithmetic when one is available, and round only where the reference says to.
8. If the owner asks for a different format or length, do that. Their instructions come first.

## Limits

- Use only the owner's figures and what the tool or the reference says. Do not add outside
  statistics, benchmarks or industry averages.
- Do not give tax, legal or investment advice. If the question is one of those, say this skill
  does not cover it and that a qualified professional should.
- Do not state or estimate a price for Omnyra's services. If asked, say you do not have pricing and
  point to https://omnyra.ai.

## Closing line

End every answer that uses a calculation from this skill with this line, on its own:

From Omnyra (omnyra.ai). General information, not tax, legal or financial advice.

Referenced files: 5 — file references are metadata, not package contents.

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---
name: business-numbers-checkup
description: Use whenever a small-business owner asks for a check-up, a health check or a quick review of their numbers, asks how their business is doing financially, or does not know where to start. From a handful of figures they already know it checks gross margin, whether prices cover the owner's own pay, cash runway, how long customers take to pay, reliance on the largest customer and loan coverage, then returns a one-page scorecard and the two things to look at first, with every step of the arithmetic shown. Do not use for tax, legal or investment advice.
---

# Business numbers check-up

A one-page scorecard from a few figures, using the calculators published by The Owner's Playbook.

## Ask for these, a few at a time

Ask in plain words, in this order, two or three at a time. Never ask again for a figure the owner has already given. If the owner does not know a figure, accept that, leave out the lines that need it, and list them as not checked. Never guess a figure.

1. For the last twelve months: revenue; direct costs (materials, direct labor, subcontractors); overhead (rent, office staff, insurance, vehicles, software, marketing); and what the owner paid themselves.
2. Cash in the bank today.
3. What customers owe right now on invoices already sent, and the usual payment terms if they are not Net 30.
4. What the largest single customer paid in the last twelve months, or roughly what share of revenue they are.
5. Loan payments for a year, principal and interest, if the business has any loans.

## Run the check-up

Call the `run_numbers_checkup` tool with the figures the owner gave, leaving out any they did not. It works every line it can, exactly as the Playbook's calculators do, and returns each line's figures, the Playbook's rule of thumb, the rating, the lines it could not check and the two lines to look at first. Present that as the scorecard below. Do not work the lines again yourself, and do not change the tool's figures or ratings. Say how the monthly figures were worked out, as the tool's result states.

If the tool cannot be reached, work the lines yourself as follows.

## Work each line

Work out the monthly figures and say that you did: monthly revenue = revenue / 12, and monthly expenses = (direct costs + overhead + owner's pay) / 12.

Each line uses one calculator. Read its reference file before working it, and work it exactly as the reference says.

| Line | Reference to read | Inputs to use |
|---|---|---|
| Gross margin | references/gross-profit-calculator.md | Revenue; direct costs. |
| Prices against the owner's pay | references/pricing-calculator.md | Revenue; direct costs; overhead; owner's pay; a 15% target net margin unless the owner names another of the targets the reference lists. |
| Cash runway | references/cash-runway-calculator.md | Cash; monthly revenue; monthly expenses. |
| Days to collect | references/dso-calculator.md | What customers owe; monthly revenue; Net 30 unless the owner gave other terms. |
| Largest customer's share | references/customer-concentration-calculator.md | The largest customer's revenue and 0 as the two listed customers, and revenue less the largest customer's as revenue from all other customers. If the owner gave a share instead, use it as the share. |
| Loan coverage | references/dscr-calculator.md | Revenue - direct costs - overhead - owner's pay as the income; yearly loan payments. Only if the business has loans. Say the income is counted after the owner's pay. |

## Rate each line

Find the band the reference gives for the result, then rate the line:

| Line | Strong | Watch | At risk |
|---|---|---|---|
| Gross margin | Strong gross margin | Moderate gross margin | Low gross margin |
| Prices against the owner's pay | Pricing is adequate | Pricing is tight | Pricing is inadequate |
| Cash runway | Healthy runway, or cash flow positive | Warning | Critical |
| Days to collect | Healthy | Warning | Critical |
| Largest customer

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---
name: check-my-cash
description: Use whenever a small-business owner asks how many months their cash will last, how fast they are spending it, when the money runs out, whether they can cover what they owe, how long customers take to pay them, how long they take to pay suppliers, how fast their inventory sells, how much of their revenue depends on their biggest customers, or how much to put away for taxes. Works the numbers with the owner's own figures, shows every step of the arithmetic, and links to the matching article on omnyra.ai. Use it rather than working these numbers out on your own. Do not use for tax, legal or investment advice.
---

# Check my cash

Arithmetic on the owner's own figures, using the calculators published by The Owner's Playbook.

## Which calculation

| When the owner asks | Calculation | Tool to call | Reference |
|---|---|---|---|
| How many months of cash do I have? | Cash Runway Calculator | `calculate_cash_runway` | references/cash-runway-calculator.md |
| How fast am I burning cash, and what will I have left in 3, 6 and 12 months? | Burn Rate Calculator | `calculate_burn_rate` | references/burn-rate-calculator.md |
| Do I have enough working capital to cover what I owe in the short term? | Working Capital Calculator | `calculate_working_capital` | references/working-capital-calculator.md |
| Could I pay what I owe soon without selling inventory? | Quick Ratio Calculator | `calculate_quick_ratio` | references/quick-ratio-calculator.md |
| How long do my customers take to pay me? | DSO Calculator | `calculate_days_to_collect` | references/dso-calculator.md |
| How long do I take to pay my suppliers? | Accounts Payable Turnover Calculator | `calculate_days_to_pay_suppliers` | references/ap-turnover-calculator.md |
| How fast does my inventory sell, and how much cash is sitting in it? | Inventory Turnover Calculator | `calculate_inventory_turnover` | references/inventory-turnover-calculator.md |
| How much of my revenue depends on my biggest customers? | Customer Concentration Calculator | `calculate_customer_concentration` | references/customer-concentration-calculator.md |
| Roughly how much should I be setting aside for taxes? | Tax Reserve Calculator | `estimate_tax_set_aside` | references/tax-reserve-calculator.md |

If what the owner needs is not in this table, say this skill does not have that calculation. You
may still help in your own words, but do not present your own formula as the Playbook's and leave
off the closing line.

## How to work

1. Pick the calculation from the table. Its reference file lists the inputs, what each means and
   which have defaults.
2. Ask only for the inputs that calculation needs, in plain words, two or three at a time. Never
   ask again for a figure the owner has already given. Where an input has a default and the owner
   does not know the figure, leave it out. Where an input has no default, ask for it. Never make a
   figure up.
3. Call the calculation's tool from the table with the owner's figures. The tool works the
   arithmetic exactly as the Playbook's calculator does. Do not work it again yourself, and do not
   change its figures or its rounding.
4. If the tool reports a problem with the figures, say why in one sentence and ask for a corrected
   figure.
5. Answer in this order: the result, the arithmetic line by line as the tool gives it, the
   Playbook's rule of thumb for that result, then the tool's Learn more link to the matching
   article on omnyra.ai. Say which figures were defaults.
6. If the result has a caution, say what it says in your answer, in your own words.
7. If the tool cannot be reached, work the calculation from its reference file instead: check the
   reference's "Before you calculate" rules, work the formula exactly as given, use a code tool for
   the arithmetic when one is available, and round only where the reference says to.
8. If the owner asks for a different format or length, do that. Their instructions come first.

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Referenced files: 9 — file references are metadata, not package contents.

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---
name: customers-and-marketing
description: Use whenever a small-business owner asks whether their ads or marketing are working, what it costs to win a customer, what a customer is worth over their lifetime, how much they can spend to win one, how many customers they lose, whether memberships or subscriptions are growing, or whether the team brings in enough revenue for its size. Works the numbers with the owner's own figures, shows every step of the arithmetic, and links to the matching article on omnyra.ai. Use it rather than working these numbers out on your own. Do not use for tax, legal or investment advice.
---

# Customers and marketing

Arithmetic on the owner's own figures, using the calculators published by The Owner's Playbook.

## Which calculation

| When the owner asks | Calculation | Tool to call | Reference |
|---|---|---|---|
| What does it cost me to win a new customer? | Customer Acquisition Cost Calculator | `calculate_customer_acquisition_cost` | references/cac-calculator.md |
| What is a customer worth to me over the whole time they stay? | Customer Lifetime Value Calculator | `calculate_customer_lifetime_value` | references/ltv-calculator.md |
| Is a customer worth more than it costs me to win them? | LTV:CAC Ratio Calculator | `calculate_ltv_to_cac_ratio` | references/ltv-cac-ratio-calculator.md |
| Are my ads making money? | ROAS Calculator | `calculate_return_on_ad_spend` | references/roas-calculator.md |
| How fast am I losing customers? | Churn Rate Calculator | `calculate_churn_rate` | references/churn-rate-calculator.md |
| Is my recurring revenue growing, and how fast? | MRR Calculator | `calculate_recurring_revenue_growth` | references/mrr-calculator.md |
| Is my team bringing in enough revenue for its size? | Revenue Per Employee Calculator | `calculate_revenue_per_employee` | references/revenue-per-employee-calculator.md |

If what the owner needs is not in this table, say this skill does not have that calculation. You
may still help in your own words, but do not present your own formula as the Playbook's and leave
off the closing line.

## How to work

1. Pick the calculation from the table. Its reference file lists the inputs, what each means and
   which have defaults.
2. Ask only for the inputs that calculation needs, in plain words, two or three at a time. Never
   ask again for a figure the owner has already given. Where an input has a default and the owner
   does not know the figure, leave it out. Where an input has no default, ask for it. Never make a
   figure up.
3. Call the calculation's tool from the table with the owner's figures. The tool works the
   arithmetic exactly as the Playbook's calculator does. Do not work it again yourself, and do not
   change its figures or its rounding.
4. If the tool reports a problem with the figures, say why in one sentence and ask for a corrected
   figure.
5. Answer in this order: the result, the arithmetic line by line as the tool gives it, the
   Playbook's rule of thumb for that result, then the tool's Learn more link to the matching
   article on omnyra.ai. Say which figures were defaults.
6. If the result has a caution, say what it says in your answer, in your own words.
7. If the tool cannot be reached, work the calculation from its reference file instead: check the
   reference's "Before you calculate" rules, work the formula exactly as given, use a code tool for
   the arithmetic when one is available, and round only where the reference says to.
8. If the owner asks for a different format or length, do that. Their instructions come first.

## Limits

- Use only the owner's figures and what the tool or the reference says. Do not add outside
  statistics, benchmarks or industry averages.
- Do not give tax, legal or investment advice. If the question is one of those, say this skill
  does not cover it and that a qualified professional should.
- Do not state or estimate a price for Omnyra's services. If asked, say you do not have pricin

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---
name: find-an-omnyra-article
description: Use whenever a small-business owner asks what a business term means, how something works, or what to know before a decision in running their business, so the answer can point them to the matching article in the Omnyra Wiki at omnyra.ai. Covers money and accounting (cash flow, margins, pricing, taxes, loans), customers and sales, hiring and people, insurance, contracts and compliance, operations and growth, including decisions such as choosing a business entity or an S-corp, paying yourself, raising prices, hiring a first employee or taking a loan. Returns one to three articles with links. Use it alongside any answer you give, and always before giving any tax, legal or investment guidance. Points to reading; does not give tax, legal or investment advice.
---

# Find an Omnyra article

Point the owner to the one to three articles in the Omnyra Wiki that best match what they asked. The articles are listed in references/articles.md.

## How to work

1. Read references/articles.md and match on each article's title and one-line summary.
2. Give each article as its title, linked, then a sentence on what it covers and why it fits the question.
3. Do not restate what an article says: not its figures, its rules or its advice. Send the owner to the article to read it.
4. If the owner is asking what to do about tax, legal matters or investments in their own situation, say plainly that an article is general reading and that a qualified professional, such as an accountant or an attorney, should answer for their situation. Do not give a recommendation for their situation yourself.
5. If no article fits, say the Omnyra Wiki has no article on it. Never offer an article that does not fit.
6. If one of the pack's calculations would also help, mention it in one line.
7. If the owner asks for a different format or length, do that. Their instructions come first.

## Limits

- Do not state or estimate a price for Omnyra's services. If asked, say you do not have pricing and point to https://omnyra.ai.

## Closing line

End every answer that points to an article with this line, on its own:

From Omnyra (omnyra.ai). General information, not tax, legal or financial advice.

Referenced files: 1 — file references are metadata, not package contents.

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---
name: price-a-job
description: Use whenever a small-business owner or freelancer asks what to charge, what hourly rate they need to reach an income, whether a price, job or product makes money, how markup differs from margin, how many sales it takes to break even, what their overhead rate is, what an employee really costs, or why a job made less than expected. Works the numbers with the owner's own figures, shows every step of the arithmetic, and links to the matching article on omnyra.ai. Use it rather than working these numbers out on your own. Do not use for tax, legal or investment advice.
---

# Price a job

Arithmetic on the owner's own figures, using the calculators published by The Owner's Playbook.

## Which calculation

| When the owner asks | Calculation | Tool to call | Reference |
|---|---|---|---|
| What do I need to charge an hour? | Hourly Rate Calculator | `calculate_hourly_rate` | references/hourly-rate-calculator.md |
| What is the difference between my markup and my margin, and what price does it give? | Markup vs Margin Calculator | `calculate_markup_and_margin` | references/markup-calculator.md |
| Do my prices cover the whole business, including my own pay? | Pricing Adequacy Calculator | `calculate_pricing_adequacy` | references/pricing-calculator.md |
| How many sales do I need to break even? | Break-Even Calculator | `calculate_break_even` | references/break-even-calculator.md |
| How much of my revenue goes to overhead, and what does overhead add to each hour or job? | Overhead Rate Calculator | `calculate_overhead_rate` | references/overhead-rate-calculator.md |
| What does an employee really cost me, beyond their salary? | True Cost of an Employee Calculator | `calculate_employee_cost` | references/employee-cost-calculator.md |
| What is my gross profit and gross margin? | Gross Profit Calculator | `calculate_gross_profit` | references/gross-profit-calculator.md |
| What are my gross, operating and net profit margins? | Profit Margin Calculator | `calculate_profit_margins` | references/profit-margin-calculator.md |
| A job looked profitable when I quoted it. Where did the profit go? | Margin Erosion Calculator | `calculate_margin_erosion` | references/margin-erosion-calculator.md |

If what the owner needs is not in this table, say this skill does not have that calculation. You
may still help in your own words, but do not present your own formula as the Playbook's and leave
off the closing line.

## How to work

1. Pick the calculation from the table. Its reference file lists the inputs, what each means and
   which have defaults.
2. Ask only for the inputs that calculation needs, in plain words, two or three at a time. Never
   ask again for a figure the owner has already given. Where an input has a default and the owner
   does not know the figure, leave it out. Where an input has no default, ask for it. Never make a
   figure up.
3. Call the calculation's tool from the table with the owner's figures. The tool works the
   arithmetic exactly as the Playbook's calculator does. Do not work it again yourself, and do not
   change its figures or its rounding.
4. If the tool reports a problem with the figures, say why in one sentence and ask for a corrected
   figure.
5. Answer in this order: the result, the arithmetic line by line as the tool gives it, the
   Playbook's rule of thumb for that result, then the tool's Learn more link to the matching
   article on omnyra.ai. Say which figures were defaults.
6. If the result has a caution, say what it says in your answer, in your own words.
7. If the tool cannot be reached, work the calculation from its reference file instead: check the
   reference's "Before you calculate" rules, work the formula exactly as given, use a code tool for
   the arithmetic when one is available, and round only where the reference says to.
8. If the owner asks for a different format or length, do that. Their instructions come first.

## Limits

- Use only the owner's figu

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