Finance & banking

Household budget app for families with two children and four accounts (salary, reserves, shared account for rent and utilities, children account) in a private household: CSV import of transactions, automatic categorisation into housing, car, daycare and leisure, remaining budget until month end, and a savings goal of 1,800 euros for the utility back payment shown as a progress bar. The logic detects quarterly debits from the payment rhythm and sets aside a monthly share so the back payment never comes as a surprise. It also raises a warning as soon as the remaining budget no longer covers the expected back payment. Result: monthly report and savings goal overview as a PDF.

Checklist tool for tax advisory firms with around 140 clients: a personal document list per client, ticking off incoming receipts, an automatic reminder email with deadline and open items, and a password-free upload link where clients send receipts and see what is still missing. The logic compares the number of invoices with the previous year and warns when documents suddenly go missing, since that usually means an invoice was lost. Deadlines are derived from the receipt date and the filing deadline and kept as follow-up reminders. Result: all lists per client as a PDF for the file.

Loan calculator for mortgage advisory in follow-up financing: input of remaining debt, interest rate, initial repayment and term, immediate output of monthly instalment, remaining debt after the fixed-rate period and total cost, plus two or three offers side by side with the cost difference in euros over the term. The logic computes the repayment schedule and the end of the fixed-rate period and lists all contracts whose fixed rate expires within the next six months as a call list. The comparison also shows from which instalment the cheaper offer wins. Result: repayment plan and offer comparison as a PDF for the client.

Invoice generator for small businesses and freelancers with a few regular clients: invoice from client data, projects and hourly rates with all mandatory details as a PDF, a stored payment due date per invoice and an automatically proposed three-stage dunning sequence (friendly reminder, dunning letter with default interest, final notice with deadline). The logic derives overdue days and default interest from the due date and the dunning stage and keeps a list of all open invoices with a total. A note appears when a client is dunned for the third time in a row, making payment behaviour visible. Result: invoice, dunning letter and open items list as a PDF.

Receipt capture app for site management and field staff covering three construction sites a week: photograph receipts, automatic recognition of supplier, amount and date, a suggested service date and a breakdown into net, gross and input tax. The logic groups receipts by trade and cost centre and detects duplicates via amount, date and supplier before they enter accounting twice. Private expenses can be flagged and stay outside the company report. Result: monthly overview by cost centre and a finished expense report as a PDF.

Management accounts dashboard for trade businesses with nine employees: import of own figures from the job software and display of revenue, material costs, staff costs and profit per month, plus comparison with the previous month and the same month last year and a traffic light showing whether the plan holds. The logic keeps a post-calculation per job and marks jobs slipping into the red, so the cause is visible while the project is still running. A key figures sheet for the bank is created in one click, since an investment loan needs them anyway. Result: monthly dashboard and key figures PDF.

Refinancing calculator for client advisory at banks and lending institutions: comparison of the existing loan (remaining debt, rate, instalment) with the new offer (lower rate, early repayment penalty) and a statement of the month from which refinancing pays off. The logic includes annual extra repayments, shows the remaining term and the total saving and puts both variants side by side in a small chart, so the difference is visible during the meeting. A short PDF for the advisory file summarises assumptions and result. Result: comparison chart and advisory record as a PDF.

Insurance overview for brokerage firms with around 320 clients: dashboard per client with existing policies, current premium, renewal date and missing cover such as personal liability for couples with a child. The logic reminds three months before every renewal, creates the policy list as a PDF for the handover in one step when a client leaves and marks clients without contact for over a year as follow-ups. It also checks whether premium and sum insured match the policy year and lists deviations for follow-up. Result: client dashboard and handover PDF.

Subscription tracker for debt and budget counselling in social services: CSV import of bank statements, detection of recurring debits and a list sorted by amount, so expensive legacy contracts stand out first. Marked items turn into a cancellation with suitable wording and the correct notice period; the deadline goes into the calendar and the status tracks which cancellation has already been confirmed. The logic treats debits with the same amount and payee over at least three months as a contract and ignores one-off payments. Result: cancellation list, deadline calendar and cancellation PDF.

Bank reconciliation tool for accounting in logistics businesses with around 4,000 entries per month: CSV upload of bank statement and open items and automatic pairing by amount, date and payment reference. Whatever remains appears in a difference list, split into payment without invoice, invoice without payment and mismatched amount; a note and the clarification status can be saved per difference. The logic tolerates small rounding differences and proposes a grouped allocation for part payments. Result: reconciliation record and difference list as a PDF for the monthly folder.

Business plan wizard for start-ups in the hospitality sector: step-by-step query of revenue per day, cost of goods, rent, staff and investments, from which a three-year financial plan with revenue, cost and liquidity curve is calculated. The logic determines the guests per day needed to cover costs, draws the break-even point across the months and checks whether the repayment proposal for the first two years fits the liquidity. A note marks plan years in which the reserve falls below two months of costs. Result: business plan PDF with summary, revenue plan and repayment proposal.

Quote comparison for purchasing departments in electrical wholesale with around 2,200 items: entry of several quotes and a uniform evaluation with price per unit, shipping costs, discounts and the price across the planned quantity, with the cheapest supplier at the top. The logic converts tiered prices, small-quantity surcharges and freight into a total price per unit and shows how much more expensive the other suppliers are across the whole quantity. Quotes without a price commitment or without a stated delivery time are flagged, so these points are clarified before the order. Result: comparison table and order proposal as a PDF.

Deadline tool for accounting in social organisations with around 60 employees: capture of invoices and contracts with date, amount and type of deadline and display by urgency in green, yellow and red. The logic derives early payment discount dates, renewal and notice dates from the contract start and rhythm, recreates recurring contracts automatically for the following year and reports when a discount was missed. From the list a weekly overview for management is produced showing open deadlines and missed discounts. Result: weekly overview and deadline list as a PDF.

Calculator for rent refunds in older apartment buildings: input of living space, current rent, date of increase and the local reference rate and a statement of how much too much was charged from the month of the increase until today. The logic compares the increase with the permitted percentage, calculates the difference month by month and turns it into a factual letter to the landlord with amount, period and calculation path. A short step list names the next options if no answer comes, such as the arbitration board and deadlines. Result: calculation, letter and steps as a PDF.