"Purchased the program right before a pension insurance audit — brilliant results. €0 back-payment."
Costa S.
Owner, Trattoria da B. · Germany · 2025
Cash Management · Tax Audit · GoBD Compliance
Your cash reports won't survive a tax audit.
Most business owners don't realize their cash management contains formal deficiencies that allow the tax office to reject their entire bookkeeping. We show you what's actually required — and deliver the software that enforces it.
Not sure where you stand? Start with the seminar. Already been audited? Go straight to the software.
fintime — Tagesabschluss 07.03.2026
Daily Cash Report — Restaurant Müller GmbH
Risk Score: 18 · Unremarkable
DateOpeningRevenueClosing CountedStatus
Mon, 3 Mar € 284.50 € 1,847.30 € 2,131.80 € 2,131.45 ✓ OK
Tue, 4 Mar € 2,131.45 € 2,103.60 € 4,235.05 € 4,235.05 ✓ OK
Wed, 5 Mar € 4,235.05 € 1,592.80 € 5,827.85 € 5,828.20 ✓ OK
Thu, 6 Mar € 5,828.20 € 2,441.10 € 8,269.30 € 8,269.30 ✓ OK
Fri, 7 Mar € 8,269.30 € 3,106.55 € 11,375.85 € 11,375.50 ✓ OK
Sat, 8 Mar — Closed —
● Chain: unbroken
● Timestamps: verified
● IST-SOLL: all reconciled
● Chi²: normal distribution
Developed in collaboration with
⚖️
Steuerberaterkammer 🏛️
IHK 📊
DATEV 🔒
BSI Certified 📋
GoBD Compliant The problem no one talks about
Small errors. Severe consequences.
Even formal deficiencies in your cash management give the tax office the authority to estimate your revenue upward — often with drastic tax consequences.
"It is sufficient for the orderliness of cash management to be called into question — the burden of proof lies with you as the business owner."
— German Federal Fiscal Court (Bundesfinanzhof) 30%
Revenue surcharge
If your bookkeeping is rejected, the tax office can add up to 30% to your reported revenue — at their discretion, often exceeding your actual earnings.
€25,000
Fine per violation
Violations of the Cash Register Security Ordinance (KassenSichV) can result in fines up to €25,000 per individual violation. Intentional violations may trigger criminal tax evasion proceedings.
10 yrs
Retention obligation
Cash data must be stored in an audit-proof manner for 10 years. Gaps or missing periods are immediately visible to auditors — and an open door for revenue estimates.
The distinction most people miss
Physical count vs. calculated balance.
This single distinction often determines whether your cash bookkeeping is accepted in a tax audit — or rejected entirely.
Calculated Balance
Rejected by tax authorities- ✗ Revenue is derived purely from register system data
- ✗ No physical cash count performed
- ✗ Opening balance + revenue − expenses = closing balance
- ✗ Opens the door to mandatory revenue estimates
- ✗ Does not meet minimum GoBD requirements
Physical Cash Count
Only legally compliant method- ✓ Daily physical cash count with documented protocol
- ✓ Actual balance compared against expected balance
- ✓ Every discrepancy recorded and explained
- ✓ Electronically certified and tamper-proof
- ✓ Our software enforces this procedure automatically
Start here
Understand the rules before you buy the tool.
Our seminar shows you in 45 minutes what tax auditors actually look for, which mistakes are immediately flagged — and how to protect yourself.
SEMINAR · 45 MIN
Legally Compliant Cash Management: The Complete Handbook
For business owners, tax advisors, and bookkeepers who don't just want to follow rules, but understand why the tax office checks certain things — and how to pass every audit.
- Physical count vs. calculated balance — requirements and implementation
- Complete procedural documentation per § 146 AO and GoBD
- Actual vs. expected balance comparison: enforcement, documentation, archiving
- Audit-proof chaining of the evidence trail — step by step
- Live demonstration of the cash report software
€39 one-time · instant access · also available as in-person seminar
Not tax or legal advice — practical training material on cash management best practices.
The Software
Compliance enforced by design.
Our cash report software guides you through the correct procedure daily — and prevents errors before they happen.
Guided Physical Cash Count
Daily cash count, step by step. The software enforces the physical counting process and documents every bill and coin.
Automatic Actual vs. Expected Comparison
Expected balance is calculated from your data, actual balance from the cash count. Every discrepancy must be explained — the software enforces it.
Audit-Proof Chaining
Every daily closing is logically and technically linked to the previous day. Gaps are immediately detectable and cannot be inserted unnoticed.
Electronic Timestamps
Tamper-proof certification of every cash report. Retroactive changes are technically impossible and immediately visible.
Daily Risk Monitoring
Chi-square test, round-amount analysis, and frequency detection — the same methods the tax office uses. You find out first.
Audit-Ready PDF Export
Export complete, audit-proof cash reports as PDFs — with counting protocols, discrepancy explanations, and certificate chains.
Early Warning System
Do you know how the tax office sees your data?
Our software calculates the same risk score daily that the tax authorities would apply during an audit.
Daily Closing — 07.03.2026
Restaurant Müller GmbH18
● Unremarkable
0 — Clear Flagged Critical — 100
- Chi-square distribution ✓ Normal
- Round-amount frequency ✓ Unremarkable
- Actual vs. expected variance ✓ €0.35
- Chain integrity ✓ Unbroken
- Timestamp certificate ✓ Verified
Act before the tax office does.
The risk score from 0 to 100 condenses all audit-relevant indicators into a single value. Daily. Automatic. No extra effort.
0–30: Unremarkable. No action needed.
31–65: Flagged. Identify the cause, strengthen documentation.
66–100: Critical. Immediate review required. Contact your tax advisor.
Knowing daily how your cash data would be statistically evaluated means you can course-correct — before it becomes a problem.
Trusted by the professionals who set the standard
Built with those who know audits best.
⚖️
Steuerberaterkammer Nordbayern
Official Training Partner
Our seminar is recognized as continuing education by the Chamber of Tax Advisors. Content developed in consultation with practicing auditors and tax professionals.
🏛️
Industrie- und Handelskammer
Recommended Solution
Listed as a recommended compliance tool for SMEs in the IHK's digital toolkit directory. Used by member businesses across multiple regional chambers.
📊
DATEV Ecosystem
Compatible Integration
Export formats compatible with DATEV workflows. Tax advisory firms can integrate Fintime output directly into their existing client documentation processes.
Pricing
Knowledge, tools, and software — all in one place.
Start with the seminar to understand the rules. Move to the software when you're ready.
Entry Point
Seminar + eBook
Complete actionable knowledge for legally compliant cash management. Online or in-person.
€ 39
one-time · instant access
- 45-minute seminar (online recording)
- eBook as PDF — complete reference guide
- Templates and checklists
- Live software demo included in seminar
Recommended
Software
Cash Report Software
Daily cash report generation with chaining, certification, and risk monitoring.
€ 499
per year · excl. VAT · cancel anytime
- Guided physical cash count
- Automatic actual vs. expected comparison
- Electronic timestamps and certification
- Audit-proof chaining of all daily closings
- Chi-square & round-amount analysis (risk score)
- PDF export for archiving and tax audits
- Staff training software included
Complete Package
Everything in One
Seminar + eBook + both software licenses. Full protection from a single source.
€ 549
per year · excl. VAT · you save vs. buying separately
- Everything in the Seminar package
- Everything in the Software license
- Staff training software
- In-person seminar option (surcharge)
- Priority support
Cost of an unprepared tax audit: Revenue surcharge + fines + advisor fees = easily five figures.
Finchain Complete Package: €549/year.
Finchain is documentation software. It does not constitute legal, tax, or regulatory advice.
What our customers say
Real feedback from Fintime users.
FAQ
Answers to common questions about Fintime.
If you need anything beyond these, request a demo and we'll walk you through how the software works for your specific situation.
OS Windows 10 (64-bit) or later
Office Excel 2019 or Microsoft 365
Processor Intel i3 (4th Gen) / AMD Ryzen 3, 2.0 GHz+
Memory 4 GB RAM
Disk Space 500 MB free
Resolution 1366 × 768 px
Security Macros enabled (.xlsm)
Fonts Calibri, Arial
Network Required at startup
Read the full details in our User Manual.
Typically 3–5 minutes to reconstruct an entire year in a structured way (depending on complexity). Compare that to days or weeks of manual work.
No. Fintime is documentation software — it generates structured working-time records based on the data you provide. It does not assess your legal obligations, calculate tax liabilities, or determine regulatory compliance. For specific legal or tax questions, consult a qualified professional.
Ideally yes (e.g., shift plans, payroll/absence information). The software helps turn that data into a consistent structure. The more information you have, the more accurate the reconstruction.
A static reconstruction (past) plus standardized templates for the future. You'll receive documentation that's structured, consistent, and ready for review — by auditors or employees.
The software applies consistent, repeatable logic to produce structured documentation. The output is designed for review by auditors or advisors — specific legal applicability depends on your jurisdiction and circumstances.
Yes. The software adapts to various company models including shifts, part-time arrangements, seasonal work, and businesses with high staff turnover.
The audit notice is already written.
Your cash reports aren't.
Start with the seminar if you want to understand the system. Go straight to the software if you're ready to act.