Fiscus treasury monitor vdev

Treasury overview

Cash position

Balances, recent movements, and rule activity across your linked accounts.

EUR net worth €45,950.00 3 accounts · consolidated
GBP net worth £800.00 1 account · consolidated
USD net worth $1,250.00 1 account · consolidated
EUR monthly burn €3,394.98 Runway 13.5 months · €45,950.00 liquid
GBP monthly burn £4.00 Runway 200.0 months · £800.00 liquid
USD monthly burn $10.00 Runway 125.0 months · $1,250.00 liquid
Reconciliation Healthy 5 of 5 accounts reconciled
Receipt inbox 1 unpaired documents · review
Accounts 5 194 transactions tracked

Tax Shield Net Operating Liquidity

Available funds after tax reserve · quarterly VAT and income-tax provision

EUR Quarter ends 31 Dec 2026
Total balance €30,000.00
Tax reserve untouchable €1,355.20
True liquid capital €28,644.80

VAT due €810.33 · income tax €544.87

Workspace budgets

Budgets

Income-driven allocations are separated by workspace.

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Workspace-specific

Choose Personal or Business

Budgets, income baselines, and categories are isolated by workspace. Select one to view its allocation.

Personal budgets Business budgets

Spending by category

Booked debits in October 2026

  • Emergency Fund €300.00
  • Gestoría / Legal €60.00
  • Groceries €247.17
  • Housing / Rent €850.00
  • Investments €260.00
  • Leisure & Shopping €305.83
  • Meals €150.00
  • Office & Equipment €250.00
  • Restaurants & Delivery €350.03
  • Software & Cloud €272.20
  • Subscriptions €28.98
  • Subscriptions $10.00
  • Transfers / P2P €25.00
  • Travel €400.00
  • Uncategorized €27.36
  • Utilities & Telecom €181.16

Accounts

Cached balances from the latest sync

All accounts
Account IBAN Workspace Balance Reconciliation Updated
Alex Morgan ES7101823000000000000001 Business closingBooked €30,000.00 Reconciled 2h ago
Alex Morgan ES7620770024003102575766 Personal closingBooked €12,500.00 Reconciled 2h ago
Alex Morgan ES9121000418450200051332 Personal closingBooked €3,450.00 Reconciled 2h ago
Alex Morgan GB33BUKB20201555555555 Personal closingBooked £800.00 Reconciled 2h ago
Alex Morgan BE71096123456769 Personal closingBooked $1,250.00 Reconciled 2h ago

Spending intelligence

Where the money goes

Category shares, six-month momentum, and this month's cash-flow bridge. Internal transfers are excluded.

Open analytics workspace →

Category breakdown

Current month

Income vs expenses

Last six months

Monthly waterfall

Opening balance to current position

Alert feed

Rules evaluated on each sync

All alerts
  • warning Restaurants budget at 85% 1d ago

    Restaurants spending reached the 80% warning threshold for this month.

    Santander Smart - Personal Checking rule: budget delivered
  • info Balance reconciled 2d ago

    Santander Smart - Personal Checking matches the booked ledger after the latest sync.

    Santander Smart - Personal Checking rule: integrity delivered
  • warning Subscription price increase 3d ago

    Spotify increased from 9.99 EUR to 10.99 EUR per month.

    Santander Smart - Personal Checking rule: subscription_price_increase delivered
  • warning Missing receipt 5d ago

    A hardware purchase over 50 EUR still has no receipt attached.

    BBVA Empresas - Freelance Operating rule: missing_receipt pending
  • info Bank fee detected 8d ago

    Comisión mantenimiento de cuenta: 15.00 EUR on Santander Smart - Personal Checking.

    Santander Smart - Personal Checking rule: bank_fee delivered
  • info Historical discrepancy resolved 20d ago

    BBVA Empresas - Freelance Operating: a 42.10 EUR discrepancy was reviewed and resolved.

    BBVA Empresas - Freelance Operating rule: integrity delivered

Bank connections

Consent state and last refresh

Manage
  • Banco Santander Linked · 1 account
    2h ago
  • Revolut Ltd Linked · 1 account
    2h ago
  • BBVA Linked · 1 account
    2h ago
  • Wise Linked · 2 accounts
    2h ago
View all 194 transactions →

Recent transactions

Latest booked and pending movements

All transactions
Date Account Counterparty Category Description Workspace Amount Status
26 Oct 2026 Santander Smart - Personal Checking Uber Transport Pending ride Personal -€18.50 pending
25 Oct 2026 Santander Smart - Personal Checking Amazon Shopping Pending card authorization Personal -€42.50 pending
22 Oct 2026 Santander Smart - Personal Checking ACME Studio S.L. Payroll Monthly payroll Personal €2,800.00 booked
21 Oct 2026 Santander Smart - Personal Checking Bizum Juan Pérez Transfers / P2P Dinner split Personal -€25.00 booked
20 Oct 2026 BBVA Empresas - Freelance Operating Restaurante El Puerto Meals Client lunch Business -€150.00 booked
20 Oct 2026 Santander Smart - Personal Checking Vodafone Utilities & Telecom Fibra + Móvil Personal -€49.90 booked
19 Oct 2026 Santander Smart - Personal Checking Mercado de San Antón Restaurants & Delivery Dining out Personal -€86.38 booked
17 Oct 2026 BBVA Empresas - Freelance Operating Iberia Travel Client visit flight Business -€400.00 booked
17 Oct 2026 Santander Smart - Personal Checking Supercor Groceries Weekly groceries Personal -€90.97 booked
16 Oct 2026 Santander Smart - Personal Checking Amazon Leisure & Shopping Household shopping Personal -€305.83 booked
15 Oct 2026 BBVA Empresas - Freelance Operating Apple Software & Cloud Apple Developer Program Business -€99.00 booked
14 Oct 2026 Santander Smart - Personal Checking El Faro Restaurants & Delivery Dining out Personal -€88.80 booked
12 Oct 2026 Santander Smart - Personal Checking Holaluz Utilities & Telecom Gas bill Personal -€51.81 booked
11 Oct 2026 Santander Smart - Personal Checking Bazar Central Uncategorized Miscellaneous purchase Personal -€27.36 booked
10 Oct 2026 BBVA Empresas - Freelance Operating Gestoría Fiscal Gestoría / Legal Asesoría fiscal Business -€60.00 booked
10 Oct 2026 Santander Smart - Personal Checking Bonpreu Groceries Weekly groceries Personal -€75.26 booked
09 Oct 2026 BBVA Empresas - Freelance Operating Cloudflare Software & Cloud Cloudflare Pro Business -€20.00 booked
09 Oct 2026 Santander Smart - Personal Checking Osteria Nera Restaurants & Delivery Dining out Personal -€89.06 booked
07 Oct 2026 BBVA Empresas - Freelance Operating Stripe Software & Cloud Payment processing fees Business -€89.00 booked
07 Oct 2026 Wise Multi-Currency - USD GitHub Copilot Subscriptions GitHub Copilot Personal -$10.00 booked