FinanzJesus

Overview

FinanzJesus is a full-stack SaaS platform that makes Austrian tax law accessible to everyday people. The app covers the entire financial workflow for both:

• Employees filing their annual tax return (ANV)
• Freelancers running their own business

From uploading invoices through AI-powered categorization to cashflow planning and wealth-building tools — everything is unified in one platform.

The name is deliberately cheeky. Austrian tax law is opaque and intimidating; the brand cuts through that with warmth and directness.

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The Problem

Employees

• The Austrian employee tax return (Arbeitnehmerveranlagung) is voluntary
• Most employees miss out on hundreds to thousands of euros annually
• Reason: lack of awareness about deductions

Freelancers

• Fragmented tool ecosystem
• Heavy reliance on spreadsheets
• Poor visibility into financial performance

Solution

FinanzJesus consolidates:

• Deduction discovery
• Document collection
• Real tax calculations (based on Austrian law)
• Long-term financial planning

→ All in a single product

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Feature Set

Employees (Arbeitnehmer)

• Refund estimator

  • Instant calculation based on:
    • Income
    • Social security (SV)
    • Children
    • Commute distance
  • Covers:
    • Negativsteuer
    • Familienbonus Plus
    • Mehrkindzuschlag

• Deduction calculators

  • Pendlerpauschale & Pendlereuro (with public transport detection)
  • Homeoffice-Tagespauschale (€3/day, max 100 days)
  • Arbeitszimmer
  • Werbungskosten
  • Reisekosten
  • Familienbonus optimizer

• Five-year lookback

  • Detects unfiled tax years
  • Austrian law allows claims up to 5 years back

• Deadline tracker

  • Personalized deadlines:
    • April 30 (online)
    • June 30 (paper)
  • Detects:
    • Pflichtveranlagung
    • Freiwillige Veranlagung

• Tax filing wizard

  • Step-by-step guided flow
  • Produces L1 form pre-fill summary

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Freelancers (Einzelunternehmer)

• Invoice pipeline

  • Upload via drag & drop or camera
  • AI extracts:
    • Vendor
    • Amount
    • Date
    • Category
    • VAT
  • Includes confidence scoring + manual override

• Income & expense statement

  • Live EAR (Einnahmen-Ausgaben-Rechnung)
  • Filterable by:
    • Quarter
    • Category

• Outgoing invoices

  • Create and manage client invoices

• Kassabuch

  • Running cash book with balance tracking

• USt (VAT) summary

  • Monthly/quarterly overview
  • Ready for FinanzOnline

• SVS calculator

  • Social security estimation
  • Progressive breakdown

• Bank import

  • CSV/OFX upload
  • Workflow:
    1. Upload
    2. Review transactions
    3. Collect missing receipts

• Fahrtenbuch

  • Per-trip logging
  • Annual summary for deductions

• Crypto transactions

  • Tracks disposals
  • Calculates taxable gains (§ 27 EStG)

• Assets tracker

  • Net worth across:
    • Real estate
    • Stocks
    • Crypto
    • Cash

• Tagessatz calculator

  • Reverse-calculates required billing rate from desired net income

• KFZ-Kostenrechner

  • Vehicle cost split (business vs private)

• Personalkosten calculator

  • Employee cost planning
  • Includes:
    • Lohnnebenkosten
    • Freie Dienstnehmer (2025 rates)

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Cashflow & Wealth Tools (Premium)

Cashflow Rechner

5-tab system:

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Szenario-Planer

• Side-by-side financial scenario comparisons

Zinseszins-Rechner

• Adjustable:
  • Interest rate
  • Time horizon
  • Monthly contributions

30-Day Cashflow Optimization Program

5 Modules:

1. Financial status
2. Goal setting
3. Cashflow optimization
4. Time management
5. Capital building

Includes:

• Daily exercises
• Reflection prompts
• Progress tracking

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AI Features

Invoice Extractor

• GPT-4 Vision pipeline
• Extracts structured data from receipts
• Maps to Austrian tax codes (e.g., KZ 722)
• Flags Werbungskosten automatically

AI Tax Advisor

• Context-aware chat interface
• Uses:
  • Tax profile
  • Deduction history
  • Income data
• Example:

  "Du hast noch keine Pendlerpauschale eingetragen..."

Feedback Chat

• Structured AI-guided feedback collection

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Real Estate Investment Calculator (Premium)

• Separate sub-SPA
• SSO integration
• Automatic license provisioning
• No manual key entry required

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Gamification

• Points system
• Streak tracking
• Visual journey map

Goal: Turn tax filing into a continuous habit instead of a yearly task

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Admin Panel

• User management
• Subscription overview
• Prompt tuning
• Feedback review
• System health dashboard

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Technical Architecture

Shared Type System

• shared/schema.ts (Drizzle ORM)
• End-to-end type safety
• No code generation required

Additional Notes

• Backend also serves static files for real estate sub-SPA
• Hosted under /kalkulation/

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Scale & Complexity

• 55+ pages/routes
• 2 user tracks:
  • Employees
  • Freelancers
• 30+ database tables
• 20+ API modules

Features

• Authentication middleware
• Rate limiting
• Plan gating

UI Modes

• Runtime switchable
• Stored in localStorage
• Centralized copy system

Responsiveness

• Mobile-first design
• Fully responsive
• PWA support (iOS)

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Design Philosophy

• Warm, document-like aesthetic
  • "Parchment" background
  • Scripture-inspired UI elements
• Counteracts cold government portals

Design System

• Semantic color tokens:
  • Primary
  • Muted
  • Destructive
• Gradient-based primary accents

Component Library

Built on shadcn/ui, extended with:

• Animated KPI cards
• Multi-step upload flows
• Two-level tab navigation system

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