Built-in accounting that runs itself

Simple, AI-powered accounting – for freelancers, sole proprietors and Gewerbetreibende (GmbHs & UGs in beta). Easy for beginners, powerful as you grow

Everything you need: receipt scanning, invoicing, reconciliation, categorization, and taxes
Create and file UStVA, UStE, EÜR, GewSt, ZM effortlessly
€ 0 for the first 6 months, then just € 14/month

Start for free

Built with GoBD principles in mind

AI Accounting & Tax co-pilot to guide you

Trusted by 200,000+ European entrepreneurs using Finom Business Accounts

No extra tools needed

Built with GoBD principles in mind

AI Accounting & Tax co-pilot to guide you

Trusted by 200,000+ European entrepreneurs using Finom Business Accounts

No extra tools needed

Accounting, done in minutes

No experience required
Our AI co-pilot guides you through every step – you stay in control.
Save up to € 3 000 yearly
Start free for 6 months, then pay just € 84 in your first year.
Auto-categorization
Scan a receipt – transactions matched, categorized, and VAT handled automatically.
No bank switch needed
Connect your existing bank in a couple of clicks, or open a Finom account.

From receipts to books – automatically

Just take a photo of your receipt. Finom extracts data and stores it securely.
Transactions are matched and categorized with the correct VAT, even in complex cases.
Stay ahead of VAT payments with our integrated VAT forecast.

Invoicing that works

Create, customize, and send compliant, ZUGFeRD-ready invoices and quotes in a few clicks.
Store e-invoices safely and never lose a document again.
Add Paypal links and QR codes. Issue invoices in multiple currencies and languages.

Stay tax-ready all year long

Create and submit tax reports directly to the Finanzamt.
Generate UStVA, UStE, EÜR, GewSt, and ZM forms in seconds.
Stay on track with a built-in tax calendar and automated reminders.

The full picture, all in one place

Manage invoices, expenses, records, reports, and taxes from a single dashboard
No more switching between tools or paying for multiple platforms
Invite your accountant to collaborate directly – no separate software required

Your AI accounting & tax co-pilot, always by your side

Not sure how to categorize an expense? Confused about VAT? Your Finom AI co-pilot is always there to guide you with smart suggestions.

Try it free for 6 months

You remain responsible for your tax declarations. We do not provide personalized tax advice within the meaning of § 3 StBerG

Meet our 200,000+ customers

Read real, authentic reviews

Verified

Aafterall good help from Finom.co

Afer a not so good experience, finom.co came with a other solution. I must wait on a new customer from USA. But they are trying to help to solve my problem. They tried every time to help me. In the beginning whit a chatbot. That didn’t give any right awnser. Later i had personal contact. This works s lot better. I hot a lot houd information that can send by WhatsApp to my costumer. I have send it to 1 in Australia. She told me her bank was accepting the iban and information. She will try to do the payment endvof this month or in December, because her dog can’t fly before January. Hope everything goes well this time, because she us a big client. I lost some from the USA already. Finom offerd me some compensation for thst. My tnx for all the time they put in to this to keep helping to solve my problems

A Phoelich

04 November 2026

Verified

Thank you for your service

Thank you for your service. Always quick and professional in responding to clients and helping in sorting out their issues.

Luka Jaksic

03 November 2026

Verified

They saved me...

I had a really hard time opening a business bank account for our company, which operates as a French branch (succursale) of a different country. Most fintech banks couldn't open our account and many didn't support the SEPA business(which I needed most for tax officials and AMAZON), while opening an account with a traditional French bank was taking forever. They required so many documents, including financial statements and other paperwork. What I especially needed was a bank account that supports SEPA B2B Direct Debits, and many fintech banks don't offer this feature. But Finom does! The whole process took just 2–3 days, and it was surprisingly smooth and straightforward. I still need to use the account and see how everything works in practice, but so far, Finom has been a lifesaver! Thank you, Finom!

Jina Lee

03 November 2026

Verified

Great customer service

The UI is good, but not very good. Anyway, I gave it 5 stars because the customer support was VERY fast and pro-active. Please, keep that up! I am a happy customer.

Jan Schulz

01 November 2026

Verified

Super Banking

Hisham Sharif Ahmed

05 November 2026

Verified

it just was good!

ALEXANDER

04 November 2026

Verified

Nothing is free, but its ok

Nothing is free. But if the value for money is right, then that's fine. I believe everything is just right here.

Levente Szücs

15 October 2026

Verified

Very good & quick customer support

Very good & quick customer support. Much better than at other banks. However product UX is not the best. Running into avoidable problems regularly.

Daniel

16 July 2026

Verified

You helped me with one problem.

Margit Kühnel

22 October 2026

Verified

Cyclum Fin

We re waiting for accept of transfer but the contact with Finom is good

Andrey

08 October 2026

Rated 4.8 / 5 based on 16.336 reviews. Showing our latest reviews.

Finom Accounting is built for the self-employed and small businesses

Freiberufler & Einzelunternehmer

Everything you need to stay compliant, without the admin. Clean, audit-ready records all year round

Gewerbetreibende

Stay compliant with minimal effort. Handle UStVA and VAT tracking seamlessly – focus on growth, not paperwork

Kleinunternehmer

Keep your books clear, even without VAT. Capture receipts and expenses easily. Organized from day one

Kapitalgesellschaften (e.g. GmbH, UG) (Beta)

Send and customize compliant e-invoices. Handle UStVA and VAT tracking seamlessly. Double-entry bookkeeping, balance sheets, GuV, and Körperschaftsteuer coming soon

Go further with a Finom business account

A Finom business account makes integration seamless

Business account: from € 0 per month, with a DE IBAN ready ready within 24 hours
Interest: fixed 5% p.a. for the first 5 months on EUR funds – withdraw anytime
Integrated tools: end-to-end Accounting, invoices, team management, financing
Transfers: instant transfers, free SEPA allowance up to € 50 000, international and multi-currency transfers, Direct Debit
Support: real human support, 7 days a week

Try Business account for free

Human support where it matters most

Our support team has your back. Available via chat and email – real help, from real people.

Competent help, one click away

Interactive Help Center available 24 hours

Fast response time

Contact us on e-mail:

Pricing that helps you grow

Up to 22 - 77% cheaper than competitors – and a whole lot smarter

Lite

Invoicing

You save € 14

Core

Invoicing, Accounting & Tax

You save € 9

Max

All-in-one: Invoicing, Accounting, Tax & Banking

€ 0 / month€ 0 / monthTry for free

€ 0 / month€ 0 / month€14 per month after 6 months

excl. VAT

€ 0 / month€ 0 / month€9 - €24 per month after 6 months depending on pricing plan

Access

Connect your bank accounts

Web & mobile app

Invoicing

Create and share compliant e-invoices (XRechnung / ZUGFeRD)

Optional QR Codes & clickable Paypal links on invoices

Multiple languages and currencies

Invoice customization

Invoice and incoming payments status tracking

Create offers and convert them to invoices

Send payment reminders

Recurring billing

Coming soon

Recurring billing

Coming soon

Recurring billing

Coming soon

Collecting documents via email forwarding

Upload, download, export, store

Bookkeeping

Receipt scanning & automatic recognition

Automatic receipt & transaction reconciliation

Smart categorisation nach SKR (AI smart rules)

Upload, download, export, store

GoBD Long term document archive

Taxes

Automatic VAT forecast

Automatic UStVA, UStE, GewSt, ZM creation

Automatic EÜR & GUV creation

Submit reports directly to the Finanzamt

DATEV / ELSTER exports

FAQ

What makes Finom Accounting worth trying?
Finom brings your entire accounting workflow into one place: scanning receipts, creating invoices, and filing directly with the Finanzamt. No accounting background needed, and cheaper than the alternatives. Start free for 6 months and see for yourself.
Does Finom Accounting work for Freelancers?
Yes. Finom Accounting is built for freelancers who want simple, compliant bookkeeping. You can easily create and submit UStVA, generate your EÜR, and track income, expenses, and VAT in one place. Everything stays organized and audit-ready.
I am a Gewerbetreibender, is Finom Accounting a good choice for me?
Absolutely. Finom Accounting helps Gewerbetreibenden to handle UStVA, track VAT, and keep their finances structured. You can generate EÜR-ready data and prepare for Gewerbesteuer with clean, organized records. It's designed to reduce manual work so you can focus on running your business.
I am an Einzelunternehmer, is Finom Accounting for me?
Yes. Finom Accounting covers everything you typically need as an Einzelunternehmer. Automate UStVA and UStE, generate your EÜR, and keep all transactions and receipts in one place. You'll always have accurate, export-ready data for your tax advisor.
I am a Kleinunternehmer, does Finom Accounting work for me?
Yes – even without VAT obligations, Finom Accounting helps Kleinunternehmern to stay organized. Track income and expenses, manage receipts, and prepare EÜR-ready reports when needed. It's a simple way to build structure from day one and scale as you grow.
Does Finom Accounting work for UGs and GmbHs?
Finom Accounting can support your day-to-day finance and VAT workflows. You can create and submit UStVA, UStE, and ZM, and automate bookkeeping. For full annual financial statements (Bilanz, GuV), you'd still have to work separately – more advanced reporting features coming soon.
How does Finom Accounting differ from other solutions like tax advisors, accountants or other accounting tools?
Finom Accounting makes it especially easy for beginners while still powerful enough for growing businesses. It's designed to be intuitive, so you always have a clear overview and full control of your finances – without needing to rely on manual processes. Unlike traditional accounting and tax tools, where you often have to collect, organize, and send documents back and forth, Finom keeps everything in one place. Your transactions are automatically checked, and you're notified if something is missing, so nothing falls through the cracks. Before tax deadlines, the system ensures your reports are complete and ready for submission. Compared to other accounting software, Finom goes further by combining automation with guidance. Routine tasks like document recognition, expense categorization, and report generation are handled automatically, while an integrated AI co-pilot supports you with insights and step-by-step guidance whenever you need it. Features like a built-in tax calendar make managing your finances even simpler and more efficient. And the best part: it comes at a fraction of the cost. Finom AI Accounting is free for the first six months, and the total cost for the first year is just €84 – compared to €500 to €3,000 per year for traditional accounting solutions. In short, Finom gives you the simplicity, control, and affordability to manage your finances confidently, all in one place.
Will I still need a tax advisor?
Not necessarily for day-to-day bookkeeping. Finom helps you handle most tasks yourself, but it doesn’t replace a licensed tax advisor for complex cases. You can use Finom’s Tax Advisor add-on for professional support or invite your tax advisor into your account and collaborate easily when needed.
Do I have to open a new bank account?
No. Finom Accounting is designed to work alongside whatever bank you already use. A Finom business account is available if you want a deeper integration, but it's completely optional.
How is my data protected?
Finom is a fully GDPR-compliant European company built with GoBD in mind. We use state-of-art encryption to keep your data safe. Your information is never shared without your control.

Built-in accounting that runs itself

Built with GoBD principles in mind

AI Accounting & Tax co-pilot to guide you

Trusted by 200,000+ European entrepreneurs using Finom Business Accounts

No extra tools needed

Built with GoBD principles in mind

AI Accounting & Tax co-pilot to guide you

Trusted by 200,000+ European entrepreneurs using Finom Business Accounts

No extra tools needed

Accounting, done in minutes

No experience required

Save up to € 3 000 yearly

Auto-categorization

No bank switch needed

From receipts to books – automatically

Invoicing that works

Stay tax-ready all year long

The full picture, all in one place

Your AI accounting & tax co-pilot, always by your side

Meet our 200,000+ customers

Finom Accounting is built for the self-employed and small businesses

Freiberufler & Einzelunternehmer

Gewerbetreibende

Kleinunternehmer

Kapitalgesellschaften (e.g. GmbH, UG) (Beta)

Go further with a Finom business account

Human support where it matters most

Pricing that helps you grow

All-in-one Business Platform

FAQ

What makes Finom Accounting worth trying?

Does Finom Accounting work for Freelancers?

I am a Gewerbetreibender, is Finom Accounting a good choice for me?

I am an Einzelunternehmer, is Finom Accounting for me?

I am a Kleinunternehmer, does Finom Accounting work for me?

Does Finom Accounting work for UGs and GmbHs?

How does Finom Accounting differ from other solutions like tax advisors, accountants or other accounting tools?

Will I still need a tax advisor?

Do I have to open a new bank account?

How is my data protected?