NATIVE INGEST
Platform fees attributed · FX at transaction date · 3+ months historical
The only forecaster that natively ingests every platform you sell on, attributes the platform fees, FX-converts to EUR at the transaction date, and writes a quarterly forecast every line of which traces back to a real charge. Bilingual UI, English-first.
Native ingestion from every platform you sell on. Spain-specific categorization, not generic accounting. Quarterly forecasts a gestor can sign off on. Every line auditable down to the source charge.
Belvo for your Spanish business bank (PSD2, read-only). Stripe OAuth. Apple App Store Connect and Google Play via report upload. Tokens only — we never store credentials.
Pulls 3+ months of historical transactions, FX-converts everything to EUR at transaction-date rates, attributes Apple 30/15%, Google equivalent and Stripe processing to the right side of the ledger.
Rules first, model second. Each transaction is classified as B2C digital · OSS/IOSS, B2B service · reverse-charge EU, domestic IVA, platform fee, or refund.
Quarterly modelo 130 (IRPF) and modelo 303 (IVA) projection, a cuota tramo recommendation for next year, and the year-end regularización you should expect.
Every line is narrated in English and traceable to a source transaction. "This €2,341.50 is your Q1 Apple payout, net of 30% fee, classified as IOSS — modelo 303 line 12."
Filing-ready CSV for the gestoría, PDF for your own review, and an AEAT-compatible XML draft. You sign and file — Tramado never files on your behalf.
Discipline matters more than feature count in the tax niche. These are the lines we won't cross — even when users ask.
A native bridge from Stripe / Apple / Google / Paddle / Lemon Squeezy / RevenueCat to Hacienda.
Spain-tax depth: cuota tramo, OSS/IOSS routing, modelo 130 + 303, year-end regularización.
A filing-ready export you sign yourself or hand to your gestoría.
A free, no-signup habituality calculator so you know when to register.
A line-by-line forecast you can audit before you sign and file. Every euro figure in monospace.
A gestoría. We don't file on your behalf. No Colaborador Social agreement.
A SIF system-of-record. Verifactu exports are XML drafts, not primary issuance.
Consumer PFM. Not competing with budget apps or chat-based finance.
A debt collector. When cobro lands, we draft. You send.
Freemium with a locked core. The calculator stays free forever — it's the wedge, not the funnel trick.
Xolo, Quipu and Holded are real options for real people. The reason Tramado exists is the row at the top — native ingestion of the platforms indie SaaS founders actually sell on.
| Tramado | Xolo | Quipu / Holded | DIY spreadsheet | |
|---|---|---|---|---|
| Native ingestion of Stripe / Apple / Google / Paddle | All platforms, fees attributed, FX-converted | Manual CSV re-keyed by a gestor | Generic accounting import | You re-categorize every row |
| Spain-tax depth (modelo 130, 303, cuota tramo, OSS/IOSS) | Full — software, indie-SaaS workflow | Full — through your gestor, on their turnaround | Full — Spanish-accounting suite shape | Yours to build |
| Time to first forecast | ~60 seconds | 5 – 15 days | Hours of setup | The quarter you skip a week |
| Who files the return | You — or your gestoría from our export | Xolo (gestor) | You | You |
| Line-by-line traceability | Every line back to a real charge | Through your gestor | Standard accounting ledger | If you write it |
| Price / month | €19 – €49 | €75 – €149 | €17 – €60 | €0 + your weekends |
| Language | English-first, bilingual | English | Spanish-first | Yours |
The €100/mo gestor model doesn't fit indie SaaS. €29 is the anchor — 3× cheaper, software-first, English voice.
I built Tramado because I needed it. I run a portfolio of small SaaS apps from Madrid — Stripe payouts, App Store payouts, Google Play payouts — and the bridge to Spanish tax was always a person, never a tool. The person was slow and expensive. The tool didn't exist. So I wrote it for myself, and I write the Substack issues from the same Hacienda questions you're Googling at 11pm.
Connect Stripe, see your Q1 forecast in under a minute. Free preview, no card.