Fiscus treasury monitor vdev

Treasury overview

Cash position

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

EUR net worth €30,000.00 1 account · consolidated
EUR monthly burn €1,132.20 Burn rate & runway 26.4 months · €30,000.00 liquid
Reconciliation Healthy 1 of 1 accounts reconciled
Receipt inbox 1 unpaired documents · review
Accounts 1 57 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

Income-driven allocation

Budgets

Operating revenue €5,500.00 · Planned tax reserve 1,155.00 · net after reserve 4,345.00

Recurring payment detected
Recurring payment detected: €250.00 to Impact Hub.

Is this a shared bill or recurring expense? Seen 6 times, typically around day 1 of the month.

Plan vs actual
Business EUR
Income baseline
€5,500.00
Allocated
€2,105.00 · 38%
Unallocated
€3,395.00 · 62%
Month-to-date spend
€582.20

Category percentages are shares of monthly income. Adjust pillar targets and category assignments any time.

Needs

17.3% allocated

On target
Target 17.3% €950.00 allocated €582.20 spent
61%

Wants

0% allocated

On target
Target 0% €0.00 allocated €0.00 spent
0%

No categories assigned to this pillar.

Savings & Investment

21% allocated

On target
Target 21% €1,155.00 allocated €0.00 spent
0%

Spending by category

Booked debits in October 2026

  • Gestoría / Legal €60.00
  • Meals €150.00
  • Office & Equipment €250.00
  • Software & Cloud €272.20
  • Travel €400.00

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

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 Missing receipt 5d ago

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

    BBVA Empresas - Freelance Operating rule: missing_receipt pending
  • 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 · 0 accounts
    2h ago
  • Revolut Ltd Linked · 0 accounts
    2h ago
  • BBVA Linked · 1 account
    2h ago
  • Wise Linked · 0 accounts
    2h ago
View all 57 transactions →

Recent transactions

Latest booked and pending movements

All transactions
Date Account Counterparty Category Description Workspace Amount Status
20 Oct 2026 BBVA Empresas - Freelance Operating Restaurante El Puerto Meals Client lunch Business -€150.00 booked
17 Oct 2026 BBVA Empresas - Freelance Operating Iberia Travel Client visit flight Business -€400.00 booked
15 Oct 2026 BBVA Empresas - Freelance Operating Apple Software & Cloud Apple Developer Program Business -€99.00 booked
10 Oct 2026 BBVA Empresas - Freelance Operating Gestoría Fiscal Gestoría / Legal Asesoría fiscal Business -€60.00 booked
09 Oct 2026 BBVA Empresas - Freelance Operating Cloudflare Software & Cloud Cloudflare Pro Business -€20.00 booked
07 Oct 2026 BBVA Empresas - Freelance Operating Stripe Software & Cloud Payment processing fees Business -€89.00 booked