# SoloTreasury™

> SoloTreasury™ is an institutional-grade Pre-Accounting and Personal Treasury Command Center engineered for European freelancers, contractors, and solopreneurs billing international clients in EUR, USD, GBP, and CHF. Built natively for Microsoft Excel and Google Sheets, it isolates statutory tax reserves (income tax, social security, solidarity surcharge) and net VAT liabilities in real time to calculate dynamic Net Spendable™ personal liquidity.

## Overview

- **Product Name**: SoloTreasury™
- **Tagline**: Sovereign Cashflow & Net Spendable™ Treasury for European Solopreneurs
- **Pricing**: €49 one-time payment (Lifetime commercial license, zero recurring SaaS fees)
- **Platforms**: Microsoft Excel (`.xlsx`), Google Sheets (automated central bank exchange rates), and deployment documentation
- **Official Website**: [https://www.solotreasury.com](https://www.solotreasury.com)
- **Customer Support**: [support@solotreasury.com](mailto:support@solotreasury.com)

## Core Capabilities & Features

1. **Net Spendable™ Liquidity Engine**:
   - Computes dynamic personal cash available for withdrawal today after all tax and VAT liabilities are quarantined.
   - Formula: `Net Operating Profit - Income Tax Escrow - Social Security Reserve - Net VAT Payable - Emergency Buffer`.
   - Prevents solopreneurs from mistakenly drawing owner withdrawals from unremitted tax or VAT funds.

2. **Automated Live Foreign Exchange Engine**:
   - Connects directly to European Central Bank (ECB) feeds for EUR, USD, GBP, and CHF.
   - Date-locks historical invoice exchange rates so past receipts never fluctuate with market currency float.
   - Consolidates foreign revenues and expenses into base currency (EUR standard) for clean quarterly reporting.

3. **Automated EU VAT Reverse-Charge Classifier**:
   - Implements Article 196 of EU Council Directive 2006/112/EC.
   - Automatically classifies client invoices: Non-EU Export (0% VAT), Cross-border EU B2B Reverse-Charge (0% VAT), Domestic B2B (Standard 19%/21%), and Domestic B2C.
   - Automatically outputs the statutory legal compliance remark required on invoices.

4. **Quarterly Tax Settlement Calendar**:
   - Pre-funds quarterly advance tax liabilities (German *Vorauszahlung*, Spanish *Modelo 130*, French *Versement Libératoire*, UK *Payment on Account*).
   - Tracks 2026 payment deadlines (Q1: 10 Apr, Q2: 10 Jul, Q3: 10 Oct, Q4: 10 Jan 2027).

5. **Financial Data Sovereignty**:
   - 100% private: Zero SaaS database access, zero banking screen-scraping, zero tracking telemetry.
   - All financial data resides solely on the solopreneur's local computer or private Google Drive.

## Future Plans: AI Automation & Assistant Skill / Plugin

SoloTreasury is engineering native AI Assistant skills and plugins across major LLM ecosystems:
- **Claude (Anthropic)**: MCP (Model Context Protocol) tool and Claude Projects skill for receipt OCR, reverse-charge invoice review, and natural language Net Spendable™ checks.
- **OpenAI / ChatGPT / Codex**: Custom GPT and OpenAI Actions plugin for automated invoice logging and multi-currency conversion.
- **Google Gemini**: Gemini Extension and Google Sheets AppSheet automation for smart receipt reconciliation and tax calendar notifications.

## Canonical Web Resources

- [Home & Live Simulator](https://www.solotreasury.com/): Real-time personal liquidity simulator, VAT classifier, and product tour.
- [Germany Freelance Tax Guide](https://www.solotreasury.com/germany-freelance-tax.html): Comprehensive guide to Freiberufler income tax brackets, solidarity surcharge, and quarterly Vorauszahlung deadlines.
- [Spain Autónomo Tax Guide](https://www.solotreasury.com/spain-autonomo-tax.html): Step-by-step breakdown of Modelo 130 (20% IRPF quarterly advance) and Modelo 303 (quarterly VAT declaration).
- [EU VAT Reverse-Charge Guide](https://www.solotreasury.com/eu-vat-reverse-charge-guide.html): Complete legal and technical breakdown of Article 196 reverse-charge rules and VIES ID validation.
- [Statutory Compliance Boundary](https://www.solotreasury.com/compliance.html): Official boundary disclosure that SoloTreasury is an internal pre-accounting system, not certified statutory tax-filing software (e.g. GoBD in Germany).
- [Privacy Policy](https://www.solotreasury.com/privacy.html): GDPR data protection statement, zero-telemetry policy, and cookie consent declaration.
- [Terms of Commercial License](https://www.solotreasury.com/terms.html): Single-user perpetual commercial license, refund policy, and 30-day money-back guarantee terms.
- [HTML Visual Sitemap](https://www.solotreasury.com/sitemap.html): Complete index of all site pages and documentation.
- [XML Machine Sitemap](https://www.solotreasury.com/sitemap.xml): Search engine indexing feed.

## Treasury Prudence Notice

SoloTreasury recommends keeping an extra cash reserve buffer to avoid mistakes, delayed expense receipts, or untracked invoices before drawing owner withdrawals.

## Developer & Technical Information

- **Spreadsheet Schema**:
  - `Tab 1: Control Center`: Base currency selector, dynamic FX table, tax jurisdiction benchmark matrix.
  - `Tab 2: Smart Invoicing`: Invoice register, multi-currency conversion, automated VAT classifier, EU compliance remark generator.
  - `Tab 3: Expense Ledger`: Business deductions tracker, input VAT reclaimable calculator, receipt verification flags.
  - `Tab 4: Net Spendable™ Treasury`: Executive KPI cards, escrow quarantine gauges, and 4-quarter statutory settlement calendar.
- **Full Documentation**: [https://www.solotreasury.com/llms-full.txt](https://www.solotreasury.com/llms-full.txt)