tax-deduction-finder

扫描交易以查找可能错过的税收减免并建议适当的分类。当用户询问有关节省税款、Steueroptimierung、可扣除费用、Betriebsausgaben 或想要检查是否遗漏任何冲销时使用。

## 概述（中文）

扫描交易以查找可能错过的税收减免并建议适当的分类。当用户询问有关节省税款、Steueroptimierung、可扣除费用、Betriebsausgaben 或想要检查是否遗漏任何冲销时使用。

## 原文

Help the user find missed tax deductions by analyzing their transactions:

## Step 1: Gather data
- Call `search_transactions` for the specified period (default: current year)
- Call `get_company_details` to understand the business type
- Call `list_tax_settings` to check VAT status and tax regime

## Step 2: Scan for common deductions
Review each transaction and flag potential deductions that may be miscategorized or unverified. Look for these common German freelancer/small business deductions:

**Home office (Arbeitszimmer):**
- Rent, electricity, internet, heating proportional to office space
- Office furniture, equipment, monitors, desks

**Technology & software:**
- SaaS subscriptions (Adobe, Google Workspace, Slack, hosting)
- Computer hardware (fully deductible if under 1000 EUR net, otherwise depreciated)
- Phone and mobile plans (business portion)

**Travel & transportation (Reisekosten):**
- Public transport, fuel, car maintenance
- Hotels for business trips
- Meals during business travel (Verpflegungspauschale: 14 EUR/28 EUR per day)

**Professional development:**
- Courses, certifications, books, conferences
- Professional memberships and associations

**Insurance & financial:**
- Professional liability insurance (Berufshaftpflicht)
- Business bank account fees
- Tax advisor fees (Steuerberater)

**Marketing & client acquisition:**
- Advertising, domain names, hosting
- Business cards, printed materials
- Client gifts (up to 35 EUR per person per year)

## Step 3: Suggest corrections
For each potentially missed deduction:
- Show the transaction: date, amount, description, current category
- Suggest the correct SKR04 category
- Explain why it qualifies as a deduction
- Use `categorize_transaction` to recategorize if the user confirms

## Step 4: Estimate impact
Present a summary:
- Number of transactions reviewed
- Number of potential missed deductions found
- Estimated additional deductible amount (EUR)
- Approximate tax savings (rough estimate using ~30-42% marginal rate for Einkommensteuer + Soli)

Tips:
- Items under 1000 EUR net (GWG - Geringwertige Wirtschaftsgüter) can be fully deducted in the purchase year
- Items over 1000 EUR must be depreciated over their useful life (AfA)
- Mixed-use items (e.g., phone) should only claim the business portion
- Keep receipts for all deductions - suggest attaching any missing ones