Solo Biz Monthly Statement

3.20

Derivation Chain

Step 1 Solo business digital operations

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Step 2 Managing revenue, expenses, and Tax in one place

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Step 3 Instant 'how much did I actually earn this month' view at month-end

Problem

Small Business Owners aged 55–65 who started a business after Retirement (cafe, academy, online shop) spend 3–5 hours each month-end trying to figure out 'how much did I actually earn this month.' They must manually retrieve and sum up delivery app settlements, card payment settlements, cash receipt records, maintenance fees, labor costs, and VAT prepayments from separate websites. Missed expenses lead to penalty surcharges during Tax filing, or—worse—they unknowingly operate at a loss for 2–3 months.

Solution

Collects card processor, delivery app, and cash receipt settlement data via manual input (CSV upload) or email statement parsing. Users register monthly fixed costs (rent, labor, maintenance), and the system produces a single monthly statement showing 'Net profit = Total revenue – Total expenses – Estimated Tax.' Immediate alerts when the business turns to a loss.

Target: Aged 55–65, started a small business within 1–2 years of Retirement, 0–2 employees, currently using a Tax Accountant for bookkeeping but needing to track mid-month performance themselves

Revenue Model: 3 monthly statements free. Unlimited statements + Tax forecasting + annual trend analysis at 4,900 KRW (~$3.70)/month. Premium tier with Tax Accountant integration (automatic bookkeeping data transfer).

Ecosystem Role: Consumer

MVP Estimate: 2_weeks

NUMR-V Scores

N Novelty

2.0/5

U Urgency

4.0/5

M Market

4.0/5

R Realizability

3.0/5

V Validation

4.0/5

NUMR-V Scoring System

N Novelty	1-5	How uncommon the service is in market context.
U Urgency	1-5	How urgently users need this problem solved now.
M Market	1-5	Market size and growth potential from proxy indicators.
R Realizability	1-5	Buildability for a small team with realistic constraints.
V Validation	1-5	Validation signal quality from competition and demand data.

SaaS N=.15 U=.20 M=.15 R=.30 V=.20 Senior N=.25 U=.25 M=.05 R=.30 V=.15

Feasibility (69%)

Tech Complexity

29.3/40

Data Availability

19.4/25

MVP Timeline

20.0/20

API Bonus

0.0/15

Feasibility Breakdown

Tech Complexity	/ 40	Difficulty of core implementation stack.
Data Availability	/ 25	Practical availability and cost of required data.
MVP Timeline	/ 20	Expected time to ship a usable MVP.
API Bonus	/ 15	Bonus for viable public API leverage.

Market Validation (60/100)

Competition

8.0/20

Market Demand

6.2/20

Timing

16.0/20

Revenue Signals

10.5/15

Pick-Axe Fit

12.0/15

Solo Buildability

7.0/10

Validation Breakdown

Competition	/ 20	Signal quality from competitor landscape.
Market Demand	/ 20	Demand proxies from search and mention patterns.
Timing	/ 20	Fit with current shifts in tech, behavior, and regulation.
Revenue Signals	/ 15	Reference evidence for monetization viability.
Pick-Axe Fit	/ 15	How well the concept serves participants in a trend.
Solo Buildability	/ 10	Practicality for lean-team implementation.

Technical Requirements

Frontend [medium] Backend [medium] Data Pipeline [low]

Dashboard