xbert-div7a-schedule

{
  "name": "xbert-div7a-schedule",
  "displayName": "XBert Div 7A Schedule",
  "description": "Division 7A loan schedule with minimum repayment calc and benchmark-rate-ready output. v1 narrow: manual benchmark-rate entry until an ATO benchmark rate lookup ships.",
  "author": {
    "name": "XBert Intelligence",
    "email": "[email protected]"
  },
  "homepage": "https://intelligence.xbert.io/plugins/xbert-div7a-schedule",
  "license": "MIT",
  "keywords": [
    "div7a",
    "shareholder-loans",
    "tax",
    "year-end",
    "ato"
  ],
  "x-xbert": {
    "displayName": "XBert Div 7A Schedule",
    "tagline": "Division 7A loan schedule with minimum repayment calc and benchmark-rate-ready output.",
    "audience": [
      "accountants"
    ],
    "categories": [
      "tax",
      "year-end",
      "div7a",
      "shareholder-loans"
    ],
    "prerequisites": [
      "XBert account",
      "Shareholder / related-party loan accounts identifiable in the chart of accounts",
      "ATO benchmark interest rate for the income year (v1 entered manually)"
    ],
    "screenshots": [],
    "demoVideo": null,
    "includes": {
      "skills": 1,
      "commands": 1,
      "mcpTools": 0
    },
    "longDescription": "Division 7A is a perennial accuracy trap. Every private company that has lent to a shareholder or associate needs an annual schedule that tracks opening balance, new advances, repayments, interest accrual at the benchmark rate, and the minimum yearly repayment required to keep the loan compliant. Get the calculation wrong and the unpaid balance is deemed an unfranked dividend in the shareholder's hands — a far more expensive outcome than the original drawing. Most firms build this in a spreadsheet per client per loan, with the benchmark rate copied from an ATO bulletin once a year.\n\nXBert Div 7A Schedule pulls the shareholder loan accounts from the balance sheet, identifies the related-party counterparts from contacts, walks each loan from opening balance through advances, repayments, and interest accrual, calculates the minimum yearly repayment per loan, and produces an Excel schedule per loan plus a next-year reminder.\n\nv1 scope (narrow): the ATO benchmark interest rate is entered manually. An ATO benchmark rate lookup capability is on the roadmap and will turn this into a zero-input workflow. v1 also assumes a compliant-loan-agreement is in place (the schedule notes this assumption explicitly rather than verifying the agreement document). The plugin ships now because the calculation + working paper are the bulk of the value, and the manual rate entry is a one-keystroke ask.",
    "useCases": [
      {
        "title": "Year-end Div 7A schedule",
        "description": "Walk every shareholder loan from opening to closing with advances, repayments, interest accrual, and minimum yearly repayment per loan."
      },
      {
        "title": "Multi-loan-per-shareholder handling",
        "description": "Each loan is scheduled separately even where one shareholder has multiple — minimum repayments are calculated per loan, not aggregated."
      },
      {
        "title": "Next-year benchmark-rate reminder",
        "description": "Schedule includes a reminder to look up the next income year's benchmark rate when the ATO publishes it — so the workflow loops cleanly."
      },
      {
        "title": "Compliant-loan-agreement assumption",
        "description": "Schedule notes the assumption that a complying loan agreement is in place. If it isn't, the underlying advance may already be a deemed dividend — flagged for partner review."
      }
    ],
    "benefits": [
      {
        "icon": "Wallet",
        "title": "Per-loan minimum repayment",
        "description": "Calculates the minimum yearly repayment per loan, not aggregated — so the schedule matches the loan agreement structure."
      },
      {
        "icon": "Scale",
        "title": "Interest accrual at benchmark",
        "description": "Interest accrued at the ATO benchmark rate for the income year, with the rate clearly named in the working paper for audit trail."
      },
      {
        "icon": "FileText",
        "title": "Excel schedule per loan",
        "description": "One worksheet per loan with the full walk — opening, advances, repayments, interest, closing, and minimum repayment compliance check."
      }
    ],
    "workflow": [
      "Type /div7a-schedule in Claude Code or Claude Desktop",
      "Confirm the client, the income year, and enter the ATO benchmark rate (v1: manual)",
      "Plugin pulls balance sheet, journal master, and shareholder/related-party contacts",
      "Each loan is walked opening to closing with minimum repayment calc",
      "Render the deliverable(s) via xbert-working-paper:render-docx / render-xlsx / render-pdf as specified by the skill, and report the saved path(s)"
    ]
  }
}