SoloTreasury is a Google Sheet you own, in two editions. The Freelancer Edition logs paid invoices and expenses, sets aside estimated income tax, social contributions and VAT, and saves the ECB rate on the day each foreign-currency payment lands. The Cyprus Company Edition does the same for an owner-director: reserves for corporate tax, VAT and payroll, and your planned salary and dividends. Both show one number: what is safe to pay yourself this month. One-time price, no subscription.
For the supported profiles in Germany, Spain, France, the Netherlands and Cyprus, billing in EUR, USD, GBP or another ECB currency. The sheet reserves your estimated income tax, social contributions and VAT as you record each paid invoice, and shows what is safe to withdraw.
For the owner-director who pays themself a salary, dividends or both. The sheet reserves corporate tax, VAT and payroll each month and shows your planned owner pay under the 2026 rules.
Not sure which one fits? Check your profile in a minute.
Try it with your own numbers. Pick a reserve rate, and see what is left after tax money is set aside. The workbook replaces the flat rate with the 2026 rules for your country profile.
A flat illustration (your rate plus a 5% buffer), not your country's tax calculation. Enter revenue and costs without VAT; costs in EUR.
Illustration only. Country rules, VAT, bank balance and payment timing are left out here. Keep an extra buffer for late receipts and untracked invoices before you withdraw.
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. | A monthly withdrawal figure: See your estimated safe-to-withdraw amount after tax and social reserves and a buffer, with VAT shown separately. An optional bank balance shows available-now cash. |
| FX Drag & Confusion: Losing 3-5% on currency conversions and guessing your EUR revenue when billing US clients in USD. | Payment-date FX: Authorized automation saves the ECB reference rate for the actual receipt date, with source evidence and bank-rate overrides. |
| VAT Audit Terror: Stressed about whether to charge VAT, apply 0% export, or write Reverse-Charge Article 196. | Reviewed VAT records: Confirm the treatment, applicable rate and evidence for each invoice. Country selection does not establish a tax ruling. |
| SaaS Subscription Bleed: Recurring subscriptions: QuickBooks starts from €226/year; Xero starts from $348/year. | Complete Sovereignty: A single €49 one-off payment for a perpetual v1.x license. Zero recurring monthly drain on your cashflow. |
Your own Google Sheet, with sample rows to clear before you start. Five visible tabs, one setup guide and four steps.
Screenshots of the English workbook with demo figures. Your copy arrives in the language you buy.
Choose your supported country profile and EUR as the base currency, enter your annual profit estimate and review the required settings. Authorize payment FX once per copy.
Record invoices and expenses. For a paid invoice, enter the payment date in P and set O to Paid. For an expense, enter the payment date in N. Automation saves the matching ECB rate.
What you can safely pay yourself this month, after income tax, social contributions, VAT and a buffer.
Export a clean transaction report for review.
Supported countries and limits · SoloTreasury never moves or holds your money.
Pick where your client is and who they are. You get the usual treatment for a cross-border service, the line to put on the invoice, and what to check before you rely on it. Not a ruling, and no VAT ID lookup.
"Service supplied outside the scope of EU VAT (place of supply: customer's country)."
Before you rely on it: confirm the client is a business, keep proof of their location, and check that your service has no place-of-supply exception. Your accountant has the final word.
SoloTreasury automates tax reserves for specific freelancer legal regimes. Select your country and structure to verify suitability:
One payment, no recurring subscription. Your license to the v1.x files does not expire.
Founding price. Rises to €79 on 1 December 2026.
The complete Google Sheets treasury system including automated Apps Script engine and 2026 formula updates.
Sheet €49 + kit €29 bought separately.
SoloTreasury master sheet plus the 2026 Tax Calendar & Contract Kit with enforceable clauses.
Dedicated Google Sheets treasury OS built specifically for Cyprus tax-resident limited companies. Models director salary vs. dividend distributions, 15% corporate tax reserves, SDC, and GeSY.
Price includes VAT. Lemon Squeezy, our reseller, charges the US-dollar equivalent at the mid-market rate, with no conversion fee of its own. Your bank may add its usual foreign-currency fee. Delivery by email after payment. 30-day refund on request.
Your financial data never leaves your private Google Drive. SoloTreasury is not an external cloud SaaS platform; it runs locally within your own personal Google account. Neither Aspecterra Limited nor any third party has access to your client lists, invoices, bank balances, or spreadsheet records.
During the one-time copy setup, Google displays a standard permission screen because the embedded Google Apps Script automates three operational tasks inside your sheet:
Why Google may say "Google hasn't verified this app": Because the automation code lives directly inside your individual sheet copy, Google displays a standard security notice. The script code is completely transparent and inspectable: open Extensions > Apps Script in your copy at any time to verify the code yourself.
.docx) and reference PDF files. Educational templates, not formal legal advice.