pf-retainer-docs

Retainer document generator for independent freelancers.

Generate tailored retainer agreements, monthly utilization reports, overage billing statements, and project recap documents — all from conversational input, no SaaS subscription required.

Installation

1. Download the pf-retainer-docs.plugin file
2. Open Claude Desktop and navigate to Settings > Plugins
3. Click Install Plugin and select the downloaded .plugin file
4. The plugin will be installed and available immediately

Note: All data stays local on your machine. No external API calls or cloud storage required.

Commands

• /retainer:retainer-agreement — name: retainer-agreement
• /retainer:retainer-amendment — name: retainer-amendment
• /retainer:retainer-billing — name: retainer-billing
• /retainer:retainer-kb — name: retainer-kb
• /retainer:retainer-log-hours — name: retainer-log-hours
• /retainer:retainer-recap — name: retainer-recap
• /retainer:retainer-report — name: retainer-report
• /retainer:retainer-run — name: retainer-run
• /retainer:retainer-setup — name: retainer-setup
• /retainer:retainer-status — name: retainer-status

What This Plugin Does

Document	Command	When to use
Retainer Agreement	/retainer:agreement	Starting a new client engagement
Utilization Report	/retainer:report	End of each billing month
Overage Billing	/retainer:billing	When hours exceed retainer limit
Engagement Recap	/retainer:recap	End of engagement
Month-end cycle	/retainer:run	Report + billing in one command
Retainer Amendment	/retainer:amendment	Updating existing retainer terms
Log Hours	/retainer:log-hours	Recording hours worked for a client
Knowledge Base (retainer-kb)	/retainer:kb	View legal references and compliance checklists

Quick Start

/retainer:setup        ← Run once to initialize
/retainer:agreement    ← Create client retainer agreement
/retainer:run          ← Month-end: report + billing if needed
/retainer:recap        ← End-of-engagement summary

Requirements

• Python 3.8+
• python-docx (auto-installed by /retainer:setup)

Output Files

All documents are saved to outbound/ in your workspace:

• retainer-agreement-{client}-{YYYY-MM-DD}.docx
• retainer-report-{client}-{YYYY-MM}.docx
• retainer-billing-{client}-{YYYY-MM}.docx
• retainer-recap-{client}-{YYYY-MM-DD}.docx

Key Features

• Python-verified arithmetic — all financial calculations computed in Python with explicit assertions; never delegated to the LLM
• Two-pass hallucination guard — retainer agreements are verified after generation for placeholder-free, verbatim-value output
• Legal disclaimer enforcement — all documents include a ≥200-character legal disclaimer, programmatically checked
• Recovery checkpoints — interrupted sessions can be resumed within 24 hours
• Zero-overage guard — billing statement refuses to generate if no overage exists

AI-Powered Features

• Retainer Agreement Generation: Creates professional service agreements with scope, rate, and terms
• Billable Hour Synthesis: Aggregates logged hours into client billing with detailed descriptions
• Amendment Automation: Generates amendments for scope changes, rate adjustments, or term extensions
• Recap Reports: Summarizes monthly work accomplished, hours billed, and upcoming priorities
• Budget Tracking: Monitors billable hours against retainer budget and flags overages
• Client Recaps: Generates professional monthly recap emails for client relationship management
• NYC Freelance Isn't Free Act Compliance: Validates agreements against all 6 mandatory contract elements per NYC Admin Code §20-928 when jurisdiction is New York
• Worker Classification Safeguards: Checks agreement terms against the IRS 20-Factor Test (Rev. Rul. 87-41) to prevent inadvertent employment indicators
• IP Assignment Correctness: Uses legally correct "assignment" language instead of "work-for-hire" for independent contractor relationships per 17 USC §101
• State Prompt Payment Citations: References applicable state prompt payment statute (e.g., NY GBL §756-a) in billing statements for legal authority
• Late Fee Usury Compliance: Validates late fee rates against governing state's usury limit (NY 16%, CA 10%, IL 9%, TX 18%) before generating billing statements
• 1099-NEC Threshold Tracking: Flags when cumulative annual client payments approach the $600 IRS reporting threshold per IRC §6041(a)
• Schedule Pattern Analysis: Warns if logged hours pattern resembles an employee schedule, flagging contractor classification risk per Rev. Rul. 87-41
• IP Transfer Reminders: Includes deliverable ownership notice in recap documents citing 17 USC §204(a) — assignment contingent on full payment

Feature Comparison

Capability	pf-retainer-docs	Bonsai ($204-468/yr)	Harvest ($144-1,320/yr)
Retainer agreement generation	Yes (with legal citations)	Yes (generic templates)	No
Monthly utilization reports	Yes (Python-verified)	Basic	Yes
Overage billing statements	Yes (zero-overage guard)	Manual	Manual
Engagement recaps	Yes	No	No
Retainer amendments	Yes (with re-validation)	Manual	No
Hours logging	Yes (with utilization analysis)	Yes (live tracking)	Yes (live tracking)
Freelancer protection law compliance	Yes (NYC §20-928, IL 820 ILCS 185)	No	No
Worker classification safeguards	Yes (IRS 20-factor test)	No	No
IP assignment correctness	Yes (17 USC §101)	No	No
Late fee usury compliance	Yes (state-by-state)	No	No
1099-NEC threshold tracking	Yes (IRC §6041(a))	No	No
Prompt payment law citations	Yes (state-specific)	No	No
Data stays local	Yes	No (cloud)	No (cloud)
Annual cost	$0	$204-468	$144-1,320

Estimated Cost per Use

Disclaimer: Token estimates are approximate and based on typical usage patterns measured from skill prompt sizes. Actual costs vary with input data size, conversation length, and complexity. Estimates use Claude Sonnet 4.6 pricing ($3/1M input, $15/1M output). Cowork and Claude Desktop subscription users (Pro/Max/Team) are not charged per-token — these estimates apply only to direct Anthropic API usage. Running stages individually in fresh sessions uses fewer input tokens than running the full pipeline sequentially, because pipeline mode accumulates conversation history across stages.

Per skill (run individually in a fresh session):

Stage	Skill Prompt	User Input	Total Input	Output	Est. Cost
retainer-report	~3.5K	~800	~7.4K	~6.0K	~$0.11
retainer-amendment	~3.7K	~800	~7.4K	~3.7K	~$0.08
retainer-kb	~5.0K	~800	~8.6K	~5.0K	~$0.10
retainer-log-hours	~4.0K	~800	~7.6K	~4.0K	~$0.08
retainer-billing	~3.9K	~800	~7.9K	~3.9K	~$0.08
retainer-recap	~3.5K	~800	~7.4K	~3.5K	~$0.07
retainer-agreement	~4.7K	~800	~8.6K	~4.7K	~$0.10
Standalone total			~54.9K	~30.8K	~$0.63

Full pipeline (all stages in one session — context accumulates):

Stage	Base Input	+ History	Total Input	Output	Est. Cost
retainer-report	~7.3K	0	~7.3K	~6.0K	~$0.11
retainer-amendment	~7.5K	~6.8K	~14.3K	~3.7K	~$0.10
retainer-kb	~8.8K	~11.3K	~20.0K	~5.0K	~$0.13
retainer-log-hours	~7.8K	~17.0K	~24.9K	~4.0K	~$0.13
retainer-billing	~7.7K	~21.9K	~29.6K	~3.9K	~$0.15
retainer-recap	~7.3K	~26.6K	~33.9K	~3.5K	~$0.15
retainer-agreement	~8.5K	~30.9K	~39.4K	~4.7K	~$0.19
Pipeline total			~169.4K	~30.8K	~$0.97

Running the full pipeline once typically costs $0.68–$1.26 in API tokens (Claude Sonnet 4.6).

Known Limitations

1. DOCX only — generates Microsoft Word (.docx) files. PDF conversion is not included; use Word/LibreOffice to export.
2. No e-signature integration — documents must be sent and signed manually via your preferred platform (DocuSign, HelloSign, etc.).
3. No time-tracking integration — does not connect to Harvest, Toggl, or other time-tracking tools. Hours must be entered manually or via CSV export from your tracker.
4. Single currency (USD) — all financial figures are formatted in USD. International currency formatting requires manual adjustment.
5. No invoice numbering system — does not generate sequential invoice numbers. Add these manually to the billing statement.
6. Legal disclaimer provided as-is — the default legal disclaimer is a starting point. Consult an attorney for your jurisdiction.

Value Proposition

Turn hours of retainer document drafting into minutes. Professional agreements, utilization reports, and overage notices generated from your own notes — no SaaS subscription required.

Alternative to manual document creation that would otherwise be done in Word templates, Google Docs, or paid tools like Bonsai ($204-468/yr) for the document-generation portion of those workflows.

Version

1.1 — Deep Domain Knowledge (Iteration 1)

Important Disclaimers

• AI-Generated Content: This plugin uses AI (LLM) technology which can produce inaccurate or incomplete outputs. All content should be treated as a starting point and reviewed for accuracy before use.
• Not Professional Advice: Outputs do not constitute legal, financial, tax, medical, or other professional advice. Consult qualified professionals before making decisions based on generated content.
• No Compliance Guarantee: References to industry standards, regulations, or guidelines are for informational purposes only. This plugin does not guarantee compliance with any law or regulation. Users are responsible for verifying all outputs meet their specific regulatory requirements.
• No Endorsement or Affiliation: Mention of third-party products, standards, or organizations does not imply endorsement, partnership, or certification by those entities.
• Not Legal Advice: This plugin does not provide legal services or legal advice. All legal documents and analysis should be reviewed by a licensed attorney before use.