Section 13: tax returns

adept · Sep 16, 2022 · 045e288 · 045e288
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diff --git a/13-tax-returns/2014.journal b/13-tax-returns/2014.journal
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+;; Opening balances
+2014/01/01 opening balances
+  assets:Lloyds:current    = £100.00
+  assets:cash              = £150.00
+  equity:opening balances
+
+2014/01/02 Taking out mortgage to buy a house for £1000 (£150 downpayment, £5 opening fee, included in mortgage, 2% rate)
+  assets:cash              -£150
+  expenses:mortage fees    £5
+  liabilities:mortgage
+  assets:house             £1000
+
+2014/12/31 pension valuation
+  assets:pension:aviva     = £102.34
+  virtual:unrealized pnl
+
+include ./import/lloyds/journal/99966633_20171224_2041.journal
+include ./export/2014-mortgage-interest.journal
diff --git a/13-tax-returns/2015.journal b/13-tax-returns/2015.journal
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+include ./export/2015-opening.journal
+
+2015/12/31 pension valuation
+  assets:pension:aviva     = £204.41
+  virtual:unrealized pnl
+
+include ./import/lloyds/journal/99966633_20171224_2042.journal
+include ./import/lloyds/journal/12345678_20171225_0001.journal
+include ./export/2015-mortgage-interest.journal
diff --git a/13-tax-returns/2016.journal b/13-tax-returns/2016.journal
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+include ./export/2016-opening.journal
+
+2016/12/31 pension valuation
+  assets:pension:aviva     = £308.27
+  virtual:unrealized pnl
+
+include ./import/lloyds/journal/99966633_20171224_2043.journal
+include ./import/lloyds/journal/12345678_20171225_0002.journal
+include ./export/2016-mortgage-interest.journal
diff --git a/13-tax-returns/2017.journal b/13-tax-returns/2017.journal
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+;; This journal is for the current year
+
+include ./export/2017-opening.journal
+
+2017/06/30 pension valuation
+  assets:pension:aviva     = £411.03
+  virtual:unrealized pnl
+
+2017/04/05 2016/2017 Tax return, P60
+   (p60:gross pay)             £26789
+   (p60:tax paid)              -£2681.27
+   (p60:national insurance)    -£1184.02
+
+
+include ./import/lloyds/journal/99966633_20171223_1844.journal
+include ./import/lloyds/journal/12345678_20171225_0003.journal
+include ./export/2017-mortgage-interest.journal
diff --git a/13-tax-returns/README.md b/13-tax-returns/README.md
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+## What's here
+
+- Several years of transactions from several bank account, imported from CSV files, with automatic data scrubbing and CSV-to-journal conversion
+
+- Including the rules to handle foreign currency expenses
+
+- Compact rules file to classify expenses
+
+- Mortgage with automatic interest and capital payments tracking, with one re-mortgage
+
+- Auto-generated reports:
+
+    - balance sheet
+
+    - cash flow
+
+    - income/expenses
+
+    - return on investements (IRR && TWR)
+
+- Script (resolve.sh) to sort out uncategorized transactions
diff --git a/13-tax-returns/all.journal b/13-tax-returns/all.journal
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+include 2014.journal
+include ./export/2014-closing.journal
+include 2015.journal
+include ./export/2015-closing.journal
+include 2016.journal
+include ./export/2016-closing.journal
+include 2017.journal
diff --git a/13-tax-returns/export.sh b/13-tax-returns/export.sh
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+#!/bin/bash
+$(dirname $0)/export/export.hs -C $(dirname $0)/export -j --color "$@"
diff --git a/13-tax-returns/export/2014-accounts.txt b/13-tax-returns/export/2014-accounts.txt
@@ -0,0 +1,11 @@
+assets:Lloyds:current
+assets:cash
+assets:house
+assets:pension:aviva
+equity:opening balances
+expenses:groceries
+expenses:mortage fees
+expenses:mortgage interest
+income:employer
+liabilities:mortgage
+virtual:unrealized pnl
diff --git a/13-tax-returns/export/2014-all.journal b/13-tax-returns/export/2014-all.journal
@@ -0,0 +1,39 @@
+2014-01-01 opening balances
+    assets:Lloyds:current                   = £100.00
+    assets:cash                             = £150.00
+    equity:opening balances
+
+2014-01-02 Taking out mortgage to buy a house for £1000 (£150 downpayment, £5 opening fee, included in mortgage, 2% rate)
+    assets:cash                  £-150.00
+    expenses:mortage fees           £5.00
+    liabilities:mortgage
+    assets:house                 £1000.00
+
+2014-03-30 (BGC) EMPLOYER INC
+    assets:Lloyds:current         £773.72 = £873.72
+    income:employer
+
+2014-03-31 (BGC) HSBC
+    assets:Lloyds:current        £-100.00 = £773.72
+    liabilities:mortgage
+
+2014-03-31 2% interest for £-855.00 over 88 days
+    liabilities:mortgage                £-4.12
+    expenses:mortgage interest           £4.12
+
+2014-04-07 (DEB) WAITROSE
+    assets:Lloyds:current         £-73.72 = £700.00
+    expenses:groceries
+
+2014-05-01 (BP) AVIVA
+    assets:Lloyds:current        £-100.00 = £600.00
+    assets:pension:aviva
+
+2014-12-31 pension valuation
+    assets:pension:aviva                   = £102.34
+    virtual:unrealized pnl
+
+2014-12-31 2% interest for £-759.12 over 275 days
+    liabilities:mortgage               £-11.44
+    expenses:mortgage interest          £11.44
+
diff --git a/13-tax-returns/export/2014-balance-sheet.txt b/13-tax-returns/export/2014-balance-sheet.txt
@@ -0,0 +1,19 @@
+Balance Sheet 2014-12-31
+
+                       || 2014-12-31 
+=======================++============
+ Assets                ||            
+-----------------------++------------
+ assets:Lloyds:current ||    £600.00 
+ assets:house          ||   £1000.00 
+ assets:pension:aviva  ||    £102.34 
+-----------------------++------------
+                       ||   £1702.34 
+=======================++============
+ Liabilities           ||            
+-----------------------++------------
+ liabilities:mortgage  ||    £770.56 
+-----------------------++------------
+                       ||    £770.56 
+=======================++============
+ Net:                  ||    £931.78 
diff --git a/13-tax-returns/export/2014-cash-flow.txt b/13-tax-returns/export/2014-cash-flow.txt
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+Cashflow Statement 2014
+
+                       ||     2014 
+=======================++==========
+ Cash flows            ||          
+-----------------------++----------
+ assets:Lloyds:current ||  £500.00 
+ assets:cash           || £-150.00 
+-----------------------++----------
+                       ||  £350.00 
diff --git a/13-tax-returns/export/2014-closing.journal b/13-tax-returns/export/2014-closing.journal
@@ -0,0 +1,7 @@
+2014-12-31 closing balances
+    assets:Lloyds:current                  £-600.00 = £0.00
+    assets:house                          £-1000.00 = £0.00
+    assets:pension:aviva                   £-102.34 = £0.00
+    liabilities:mortgage                    £770.56 = £0.00
+    equity:opening/closing balances
+
diff --git a/13-tax-returns/export/2014-income-expenses.txt b/13-tax-returns/export/2014-income-expenses.txt
@@ -0,0 +1,19 @@
+Income Statement 2014, converted to cost
+
+                            ||    2014 
+============================++=========
+ Revenues                   ||         
+----------------------------++---------
+ income:employer            || £773.72 
+----------------------------++---------
+                            || £773.72 
+============================++=========
+ Expenses                   ||         
+----------------------------++---------
+ expenses:groceries         ||  £73.72 
+ expenses:mortage fees      ||   £5.00 
+ expenses:mortgage interest ||  £15.56 
+----------------------------++---------
+                            ||  £94.28 
+============================++=========
+ Net:                       || £679.44 
diff --git a/13-tax-returns/export/2014-mortgage-interest.journal b/13-tax-returns/export/2014-mortgage-interest.journal
@@ -0,0 +1,9 @@
+;; This is an auto-generated file, do not edit
+2014-03-31 2% interest for £-855.00 over 88 days
+    liabilities:mortgage                £-4.12
+    expenses:mortgage interest           £4.12
+
+2014-12-31 2% interest for £-759.12 over 275 days
+    liabilities:mortgage               £-11.44
+    expenses:mortgage interest          £11.44
+
diff --git a/13-tax-returns/export/2014-unknown.journal b/13-tax-returns/export/2014-unknown.journal
diff --git a/13-tax-returns/export/2015-accounts.txt b/13-tax-returns/export/2015-accounts.txt
@@ -0,0 +1,11 @@
+assets:Lloyds:current
+assets:Lloyds:savings
+assets:Lloyds:transfers
+assets:house
+assets:pension:aviva
+equity:opening/closing balances
+expenses:coffee
+expenses:mortgage interest
+income:employer
+liabilities:mortgage
+virtual:unrealized pnl
diff --git a/13-tax-returns/export/2015-all.journal b/13-tax-returns/export/2015-all.journal
@@ -0,0 +1,43 @@
+2015-01-01 opening balances
+    assets:Lloyds:current                   £600.00 = £600.00
+    assets:house                           £1000.00 = £1000.00
+    assets:pension:aviva                    £102.34 = £102.34
+    liabilities:mortgage                   £-770.56 = £-770.56
+    equity:opening/closing balances
+
+2015-03-30 (BGC) EMPLOYER INC
+    assets:Lloyds:current         £753.72 = £1353.72
+    income:employer
+
+2015-03-31 (BGC) HSBC
+    assets:Lloyds:current        £-100.00 = £1253.72
+    liabilities:mortgage
+
+2015-03-31 2% interest for £-770.56 over 90 days
+    liabilities:mortgage                £-3.80
+    expenses:mortgage interest           £3.80
+
+2015-04-07 (DEB) TRANSFER TO 12345678
+    assets:Lloyds:current          £-500.00 = £753.72
+    assets:Lloyds:transfers
+
+2015-04-07 (DEB) TRANSFER FROM 99966633
+    assets:Lloyds:savings           £500.00 = £500.00
+    assets:Lloyds:transfers
+
+2015-04-08 (BP) OASIS COFFEE
+    assets:Lloyds:current          £-3.72 = £750.00
+    expenses:coffee
+
+2015-05-01 (BP) AVIVA
+    assets:Lloyds:current        £-100.00 = £650.00
+    assets:pension:aviva
+
+2015-12-31 pension valuation
+    assets:pension:aviva                   = £204.41
+    virtual:unrealized pnl
+
+2015-12-31 2% interest for £-674.36 over 275 days
+    liabilities:mortgage               £-10.16
+    expenses:mortgage interest          £10.16
+
diff --git a/13-tax-returns/export/2015-balance-sheet.txt b/13-tax-returns/export/2015-balance-sheet.txt
@@ -0,0 +1,20 @@
+Balance Sheet 2015-12-31
+
+                       || 2015-12-31 
+=======================++============
+ Assets                ||            
+-----------------------++------------
+ assets:Lloyds:current ||    £650.00 
+ assets:Lloyds:savings ||    £500.00 
+ assets:house          ||   £1000.00 
+ assets:pension:aviva  ||    £204.41 
+-----------------------++------------
+                       ||   £2354.41 
+=======================++============
+ Liabilities           ||            
+-----------------------++------------
+ liabilities:mortgage  ||    £684.52 
+-----------------------++------------
+                       ||    £684.52 
+=======================++============
+ Net:                  ||   £1669.89 
diff --git a/13-tax-returns/export/2015-cash-flow.txt b/13-tax-returns/export/2015-cash-flow.txt
@@ -0,0 +1,10 @@
+Cashflow Statement 2015
+
+                       ||    2015 
+=======================++=========
+ Cash flows            ||         
+-----------------------++---------
+ assets:Lloyds:current ||  £50.00 
+ assets:Lloyds:savings || £500.00 
+-----------------------++---------
+                       || £550.00 
diff --git a/13-tax-returns/export/2015-closing.journal b/13-tax-returns/export/2015-closing.journal
@@ -0,0 +1,8 @@
+2015-12-31 closing balances
+    assets:Lloyds:current                  £-650.00 = £0.00
+    assets:Lloyds:savings                  £-500.00 = £0.00
+    assets:house                          £-1000.00 = £0.00
+    assets:pension:aviva                   £-204.41 = £0.00
+    liabilities:mortgage                    £684.52 = £0.00
+    equity:opening/closing balances
+
diff --git a/13-tax-returns/export/2015-income-expenses.txt b/13-tax-returns/export/2015-income-expenses.txt
@@ -0,0 +1,18 @@
+Income Statement 2015, converted to cost
+
+                            ||    2015 
+============================++=========
+ Revenues                   ||         
+----------------------------++---------
+ income:employer            || £753.72 
+----------------------------++---------
+                            || £753.72 
+============================++=========
+ Expenses                   ||         
+----------------------------++---------
+ expenses:coffee            ||   £3.72 
+ expenses:mortgage interest ||  £13.96 
+----------------------------++---------
+                            ||  £17.68 
+============================++=========
+ Net:                       || £736.04 
diff --git a/13-tax-returns/export/2015-mortgage-interest.journal b/13-tax-returns/export/2015-mortgage-interest.journal
@@ -0,0 +1,9 @@
+;; This is an auto-generated file, do not edit
+2015-03-31 2% interest for £-770.56 over 90 days
+    liabilities:mortgage                £-3.80
+    expenses:mortgage interest           £3.80
+
+2015-12-31 2% interest for £-674.36 over 275 days
+    liabilities:mortgage               £-10.16
+    expenses:mortgage interest          £10.16
+
diff --git a/13-tax-returns/export/2015-opening.journal b/13-tax-returns/export/2015-opening.journal
@@ -0,0 +1,7 @@
+2015-01-01 opening balances
+    assets:Lloyds:current                   £600.00 = £600.00
+    assets:house                           £1000.00 = £1000.00
+    assets:pension:aviva                    £102.34 = £102.34
+    liabilities:mortgage                   £-770.56 = £-770.56
+    equity:opening/closing balances
+
diff --git a/13-tax-returns/export/2015-unknown.journal b/13-tax-returns/export/2015-unknown.journal
diff --git a/13-tax-returns/export/2016-2017-tax.txt b/13-tax-returns/export/2016-2017-tax.txt
@@ -0,0 +1,16 @@
+INCOME TOTALS
+=============
+              £-1.21  income:interest
+--------------------
+              £-1.21  
+
+PAYSLIPS CHECK
+==============
+          £-22923.71  income:employer
+           £22923.71  p60
+           £26789.00    gross pay
+           £-1184.02    national insurance
+           £-2681.27    tax paid
+--------------------
+                   0  
+
diff --git a/13-tax-returns/export/2016-accounts.txt b/13-tax-returns/export/2016-accounts.txt
@@ -0,0 +1,12 @@
+assets:Lloyds:current
+assets:Lloyds:savings
+assets:Lloyds:transfers
+assets:house
+assets:pension:aviva
+equity:opening/closing balances
+expenses:coffee
+expenses:donations
+expenses:mortgage interest
+income:employer
+liabilities:mortgage
+virtual:unrealized pnl