SoloTreasury Logo SoloTreasury™ EU FREELANCE TAX & FINANCE
Get Access - €49
FOR EUROPEAN FREELANCERS & SOLOPRENEURS BILLING IN DIFFERENT CURRENCIES

Stop Guessing What’s Yours.
Take Control of Your Cash, Taxes, and Multi-Currency Revenue.

SoloTreasury is the automated Google Sheets command center that isolates your operational cash, VAT reverse-charge, and income tax reserves in real time. Pay €49 once. Never pay a monthly SaaS tax again.

Get Instant Access - €49 (One-Time) Explore Interactive Demo
30-Day Money-Back Guarantee • 1-Click Private Google Drive Copy • No Subscription Ever
UNIVERSAL TREASURY COMPATIBILITY

Built for European Freelancers & Solopreneurs Billing in Different Currencies

One automated system pre-configured for all 27 EU Member States, the UK, and global international clients.

💱

Any Invoicing Currency

Live Central Bank Feeds

Invoice and track in EUR (€), USD ($), GBP (£), CHF, CAD, AUD, or any world currency with automatic date-locked European Central Bank rates.

🇪🇺

All 27 EU Member States + UK

Pre-Set Tax Escrow & VAT

Built-in tax models for Germany, Spain, France, Italy, Netherlands, UK, Portugal, Ireland, plus automatic Article 196 reverse-charge VAT.

INTERACTIVE ENGINE

Test the Net Spendable™ Algorithm Live

See how SoloTreasury isolates your statutory tax liabilities from spendable personal income in real time.

Client Inflow & Tax Parameters

$
€
★ NET SPENDABLE™ PERSONAL LIQUIDITY
€ 3,685.20
✓ Net after tax & VAT reserves
TAX & SOCIAL ESCROW
€ 2,796.42
Quarantined for tax office
NET VAT DUE RESERVE
€ 376.10
Estimated periodic return
CONVERTED EUR GROSS
€ 7,858.25
Official date-locked rate
NET OPERATING PROFIT
€ 6,658.25
After business deductions

Treasury Prudence Notice: It is always recommended to keep an extra cash reserve buffer to avoid any mistakes, delayed expense receipts, or untracked invoices before drawing owner withdrawals.

Claim This Command Center - €49
THE PSYCHOLOGICAL SHIFT

The Anxiety Loop vs. The Treasury System

Why modern European solopreneurs are abandoning bloated SaaS subscriptions for personal treasury sovereignty.

Without SoloTreasury (The Anxiety Loop) With SoloTreasury (The Treasury System)
The Bank Account Illusion: Staring at €12,000 in your bank account having no idea how much of it actually belongs to the tax office. Crystal Certainty: A single unmistakable green dashboard card showing: Net Spendable: €5,420 | Tax Reserve: €6,580.
FX Drag & Confusion: Losing 3-5% on currency conversions and guessing your EUR revenue when billing US clients in USD. Official ECB Feeds: Automated date-locked multi-currency conversion pulls the official statutory rate for every invoice.
VAT Audit Terror: Stressed about whether to charge VAT, apply 0% export, or write Reverse-Charge Article 196. Instant Legal Classification: Dropdown logic automatically classifies the invoice and outputs the legally compliant invoice remark.
SaaS Subscription Bleed: Paying €25-€35 every month (€300-€420/yr) to accounting software filled with bloated enterprise features you never touch. Complete Sovereignty: A single €49 one-off investment that you own forever. Zero recurring monthly drain on your cashflow.
SYSTEM ARCHITECTURE

Inside the 4-Tab Treasury Command Center

Engineered to deliver institutional financial clarity inside Google Sheets with automated Apps Script tools.

Tab 1: Control Center & Live Currency Feeds

Select your base currency, tax bracket slider, and tap into live exchange rate feeds.

INSTANT ACCESS
Configuration Parameter Active Setting Operational Impact
Base Operating Currency EUR (€) Consolidates all USD/GBP receipts
Tax Jurisdiction Preset Germany (Freiberufler) Applies 30% tax + 12% social security
Total Quarantined Rate 42.0% Quarantined automatically from net profit
Live USD/EUR Feed 0.9245 Auto-updates foreign invoice conversions
Live GBP/EUR Feed 1.1730 UK agency billing converted real-time

Tab 2: Smart Invoicing Register & VAT Classifier

Tracks multi-currency billing, date-locked FX rates, and Article 196 reverse-charge categorization.

AUDIT-READY
Invoice # Issue Date Client Name Country Classification Billed FX Rate EUR Revenue VAT Rate EU Statutory Note
INV-2026-001 2026-01-12 Acme Cloud Corp United States Non-EU (Export) $ 6,500.00 0.9245 € 6,009.25 0.0% 0% VAT (Export outside EU territorial scope)
INV-2026-002 2026-01-25 FinTech Horizons Ltd United Kingdom Non-EU (Export) £ 4,200.00 1.1730 € 4,926.60 0.0% 0% VAT (Export of services outside EU scope)
INV-2026-003 2026-02-05 Nordic SaaS AB Sweden EU B2B (Reverse-Charge) € 5,000.00 1.0000 € 5,000.00 0.0% Reverse charge: Art. 196 Directive 2006/112/EC
INV-2026-004 2026-02-18 Berlin Studio GmbH Germany Domestic B2B € 3,800.00 1.0000 € 3,800.00 19.0% Standard domestic VAT applied

Tab 3: Operating Expense & Input VAT Reclaim

Log tax-deductible software, gear, and travel while isolating reclaimable input VAT.

TAX-DEDUCTIBLE
Expense ID Date Vendor Category Currency Amount EUR Cost Input VAT Reclaim Net Tax Deduction
EXP-2026-001 2026-02-15 Apple Store Hardware & Equipment EUR € 2,899.00 € 2,899.00 € 462.87 € 2,436.13
EXP-2026-002 2026-02-02 WeWork Coworking Office & Desk EUR € 350.00 € 350.00 € 55.88 € 294.12
EXP-2026-003 2026-01-05 GitHub & OpenAI Software & Tools USD $ 42.00 € 38.83 € 0.00 € 38.83

Tab 4: Net Spendable™ Treasury Command Center

The executive dashboard that prevents surprise Q4 tax bills and advance payment shocks.

MASTER TREASURY
Treasury Metric Amount (EUR) Operational Status
★ NET SPENDABLE™ LIQUIDITY € 6,420.50 SAFE FOR WITHDRAWAL
Income Tax & Social Escrow € 4,825.00 QUARANTINED (Do Not Touch)
Net VAT Settlement Payable € 1,754.50 ESCROW (Due next return)
Gross Revenue (YTD) € 18,920.00 Inflow Reconciled

Treasury Prudence Notice: It is always recommended to keep an extra cash reserve buffer to avoid any mistakes, delayed expense receipts, or untracked invoices before drawing owner withdrawals.

CROSS-BORDER COMPLIANCE

EU VAT Reverse-Charge Demystifier

Eliminate compliance stress. Test how SoloTreasury categorizes your cross-border invoices in seconds.

CLASSIFICATION RESULT
0% VAT - Export of Services Outside EU Scope
0% VAT Rate
Mandatory Invoice Remark:

"Service rendered to a recipient established outside the European Union. Export of services outside the territorial scope of EU VAT (Directive 2006/112/EC)."

No VAT is charged on the invoice. You do not remit VAT. Client does not need an EU VAT number.

ZERO SUBSCRIPTIONS

One Honest Price. Lifetime Treasury Sovereignty.

Say goodbye to the €35/month software tax. You own the files forever.

LIFETIME ACCESS
€ 49 one-time
vs. €360/year recurring for QuickBooks or Xero
  • ✓ SoloTreasury Master Google Sheet - pre-configured with automated Apps Script engine
  • ✓ 1-Click Google Drive Deployment with live ECB multi-currency feeds
  • ✓ Proprietary Net Spendable™ Algorithm with automatic tax & VAT escrow holds
  • ✓ Multi-Currency Invoicing & EU VAT Record Engine (Article 196 Directive 2006/112/EC compliant)
  • ✓ 6 European Country Tax Presets (Germany, Spain, France, Netherlands, UK, Cyprus)
  • ✓ Step-by-Step Deployment Guide with 30-second accountant handoff instructions
  • ✓ Instant Digital Access and 14-day technical satisfaction and calculation guarantee
Statutory Boundary Notice: SoloTreasury™ is an internal pre-accounting and treasury cash management system, not certified statutory tax-filing software. Always share your reconciled exports with your certified tax advisor.

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QUESTIONS & ANSWERS

Frequently Asked Questions

No, and that is a deliberate privacy feature. Traditional cloud apps charge €30/month, frequently suffer from broken Open Banking OAuth connections, and transmit your confidential client transactions to third-party servers. SoloTreasury is a sovereign spreadsheet: you type or paste your invoice and expense amounts, and it calculates your quarantined tax reserves instantly. Your financial records stay 100% private in your own Google Drive with zero central servers.
European solopreneurs are suffering from SaaS subscription fatigue. Traditional software charges €25-€35/month (€300-€420/year) for corporate balance sheet tools you never use. With SoloTreasury, you pay €49 once, own the operating system forever, keep your financial data 100% private in your own Google Drive, and benefit from automated European Central Bank exchange rates.
No. SoloTreasury is your Pre-Accounting & Personal Treasury Command Center. It does not file statutory tax returns directly (which requires country-specific certified software like GoBD in Germany). Instead, it prevents you from spending tax money and allows you to hand a spotless, date-locked reconciled file to your accountant in 30 seconds.
SoloTreasury uses automated central bank currency feeds that fetch the official ECB exchange rates for EUR, USD, GBP, and CHF. In the Google Sheets setup, we include an automated date-locking function so that past invoices retain their fixed historical valuation. If you need other currencies, please contact us by email at support@solotreasury.com.
The Control Center includes pre-configured tax models for Germany (Freiberufler), Spain (Autónomo Modelo 130), France (Micro-BNC), Netherlands (ZZP Box 1), United Kingdom (Sole Trader / LTD), and Cyprus. You can also customize your progressive tax bracket and social security withholding percentage in seconds for your location. If you need other countries or custom tax models, please contact us by email at support@solotreasury.com.
The Net Spendable™ algorithm dynamically reconciles: Gross Invoiced Cash minus Business Deductible Expenses minus Quarantined Income Tax Escrow minus Quarantined Social Security minus Net VAT Due. As an essential treasury rule, it is always recommended to keep an extra cash reserve buffer to avoid any mistakes, delayed expense receipts, or untracked invoices before making owner withdrawals.
We offer an unconditional 30-day money-back guarantee. If SoloTreasury doesn't save you hours of financial anxiety or give you total clarity over your cashflow, send an email and you'll receive a full refund immediately.