# SoloTreasury™ - Comprehensive System & Pre-Accounting Reference (llms-full.txt) > Full technical, regulatory, and architectural documentation for SoloTreasury™: Digital EU Freelance Tax & Finance. --- ## 1. Product Summary & Value Proposition - **Name**: SoloTreasury™ - **Category**: Personal Treasury Command Center & Solopreneur Pre-Accounting System - **Pricing**: €49 one-time payment (Lifetime commercial license, zero recurring SaaS subscriptions) - **Target Audience**: European freelancers, sole proprietors, independent contractors, and digital nomads (*Freiberufler* in Germany, *Autónomos* in Spain, *Micro-Entrepreneurs* in France, *ZZP* in Netherlands, *Sole Traders* in UK). - **Core Dilemma Solved**: Freelancers experience severe cashflow anxiety because gross bank balances combine spendable profit with statutory income tax escrow, healthcare/pension contributions, and client-collected VAT that legally belongs to the tax authorities. - **Core Resolution**: SoloTreasury quarantines statutory tax escrows and net VAT payable in real time, calculating the **Net Spendable™ personal liquidity** available for safe owner withdrawals today. - **Official Website**: https://www.solotreasury.com - **Customer Support**: support@solotreasury.com --- ## 2. Technical Architecture & Spreadsheet Engine ### Tab 1: Control Center & Live Feeds - **Base Operating Currency**: Standard base is EUR (or GBP, USD, CHF). - **Automated Live Foreign Exchange Feeds**: Real-time European Central Bank (ECB) reference rates for EUR, USD, GBP, and CHF. - **Tax Jurisdiction Benchmarks**: - Germany (DE): Freiberufler / Einzelunternehmen - Benchmark 30% income tax, 12-15% health & pension reserve, 19% standard VAT. Advance tax payment: *Vorauszahlung* (10 Mar, 10 Jun, 10 Sep, 10 Dec). - Spain (ES): Autónomo (Estimación Directa) - Benchmark 20% IRPF, 12% social security, 21% standard IVA. Advance tax payment: *Modelo 130* (Quarterly: 20 Apr, 20 Jul, 20 Oct, 30 Jan). - France (FR): Micro-Entrepreneur (BNC) - Benchmark 22% social contribution, 2.2% *versement libératoire*, 20% standard TVA. - Netherlands (NL): ZZP / Eenmanszaak - Benchmark 37% income tax (Box 1), 5.4% healthcare (Zvw), 21% standard BTW. Advance tax payment: *Voorlopige Aanslag*. - United Kingdom (UK): Sole Trader - Benchmark 20% basic income tax, 6% Class 4 NIC, 20% standard VAT. Advance tax payment: *Payment on Account* (31 Jan, 31 Jul). - Cyprus (CY): Sole Trader / Non-Dom - Benchmark 12.5% effective tax, 8.8% GeSY, 19% standard VAT. Advance tax payment: *Provisional Tax* (31 Jul, 31 Dec). - **Withholding Parameters**: User customizable Estimated Income Tax Rate (e.g. 30%), Social Security & Healthcare Reserve (e.g. 12%), Net Spendable™ Buffer (e.g. 5%), and Standard Domestic VAT Rate (e.g. 19%). ### Tab 2: Smart Invoicing & Revenue Register - Multi-currency line-item entry (EUR, USD, GBP, CHF). - Date-locked ECB conversion rates ensuring historical revenue records never float. - Automated EU VAT Reverse-Charge logic: - If Client Type = "Non-EU (Export)" -> VAT Rate = 0%, Remark = "0% VAT (Export of services outside EU territorial scope)". - If Client Type = "EU B2B (Reverse-Charge)" -> VAT Rate = 0%, Remark = "Reverse charge: VAT to be accounted for by recipient (Art. 196 Directive 2006/112/EC)". - If Client Type = "Domestic B2B" -> VAT Rate = 19% (or jurisdiction standard), Remark = "Standard domestic VAT applied (Input VAT deductible for B2B)". - If Client Type = "Domestic B2C" -> VAT Rate = 19% (or jurisdiction standard), Remark = "Standard domestic retail VAT included". ### Tab 3: Operating Expense Ledger - Expense categorization (Software & SaaS, Infrastructure, Hardware & Gear, Coworking & Office, Legal & Accounting, Bank & FX Fees). - Foreign currency conversion to base currency. - Input VAT reclaimable separation (Net Deductible Cost = Gross Cost - Reclaimable Input VAT). - Receipt verification tracking for audit compliance. ### Tab 4: Net Spendable™ Treasury Dashboard - **Gross Operating Revenue (YTD)**: Consolidated invoice inflows. - **Total Operating Deductions (YTD)**: Tax-deductible expenses. - **Net Operating Profit**: Gross Revenue minus Operating Costs. - **Income Tax & Social Security Escrow**: Quarantined dynamic withholding based on jurisdiction total rate. - **Net VAT Settlement Payable**: Output VAT collected from clients minus Input VAT paid on business expenses. - **Emergency Treasury Buffer**: Discretionary cashflow stability buffer. - **Net Spendable™ Net Liquidity**: `Net Operating Profit - Tax Escrow - Net VAT Settlement - Buffer`. - **Quarterly Advance Tax Due Calendar (2026)**: Q1 (10 Apr 2026), Q2 (10 Jul 2026), Q3 (10 Oct 2026), Q4 (10 Jan 2027). --- ## 3. Future Plans: AI Treasury Assistant & Automation Plugins SoloTreasury's future roadmap includes dedicated AI assistance skills and integrations engineered for modern LLMs: ### A. Claude (Anthropic) - MCP Server & Project Skill - Model Context Protocol (MCP) server integration allowing Claude Desktop to directly query Net Spendable™ balances. - Automated extraction of PDF invoice line-items, currency exchange checks, and VIES VAT ID verification. - Intelligent conversational assistant: *"Can I afford a €3,500 tax-deductible business trip next month?"* -> Claude simulates the deduction impact on Net Profit and recalculates Net Spendable™ personal liquidity. ### B. OpenAI Codex & Custom GPT Plugin - Natural language spreadsheet updater: Solopreneurs prompt *"Logged a payment of $4,500 from Acme Corp on June 12"* -> AI converts USD to EUR using historical ECB rates, tests VAT reverse-charge rules, and appends the validated row. - Actions schema for direct Google Sheets / Excel automation via webhook or API. ### C. Google Gemini - Enterprise Gems & Antigravity Skill - Seamless integration with Google Sheets ecosystem and Workspace. - Vision-powered receipt scanning: Solopreneur uploads a receipt photo -> Gemini extracts merchant, date, amount, and detects whether input VAT is reclaimable under German (*Vorsteuerabzug*) or Spanish rules. - Pre-quarterly advance tax alert: Proactively notifies solopreneurs of upcoming quarterly *Vorauszahlung* dates with ready-to-pay escrow amounts. --- ## 4. Statutory Regulatory Boundaries & Compliance Classification SoloTreasury™ is an internal Pre-Accounting and Personal Treasury management system. - It is designed to quarantine cash reserves and reconcile multi-currency revenue in real time. - It is NOT certified statutory tax-filing software (such as GoBD in Germany or certified fiscalization engines in France). - SoloTreasury does not calculate official tax filings or transmit data directly to tax authorities. - Users export their reconciled data quarterly and hand it off to their certified tax advisor (*Steuerberater*, *Gestor*, *Expert-Comptable*). --- ## 5. Privacy, GDPR & Financial Data Sovereignty - **Zero SaaS Telemetry**: No user financial records are ever sent to or stored on SoloTreasury servers. - **Local / Private Cloud Execution**: Microsoft Excel files run 100% locally on the user's computer. Google Sheets files run in the user's private, encrypted Google Drive. - **Cookie Consent**: Compliant with EU ePrivacy Directive and GDPR with granular consent categories (Strictly Necessary, Analytics, Marketing) and Google Consent Mode v2 integration. --- ## 6. Contact & Support - **Official Platform**: https://www.solotreasury.com - **Customer & Concierge Support**: support@solotreasury.com - **Inquiries**: Custom currency feeds, country presets, and template assistance.