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Built-in accounting that runs itself

Stop overpaying for tools. AI accounting, fully integrated with your business account – for freelancers, sole proprietors, and Gewerbetreibende (GmbHs & UGs in beta).

  • Receipt scanning, invoicing, reconciliation, categorization, and taxes

  • Create and file UStVA, UStE, EÜR, GewSt, ZM effortlessly

  • € 0 for the first 6 months integrated in your business bank account

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

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

Meet your AI accounting & tax co-pilot

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

Works with your existing tools

Exporting reports and accounting records to your software has never been easier. Finom Accounting provides deep integration with leading software solutions on the market.

  • Works with DATEV, Wiso, Lexware, Sevdesk

  • Auto transmission of invoices, payments, and accounting entries

  • Precise data extraction from any document

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

Your data is protected at all times

security-label

  • GDPR-compliant

    Your data is encrypted and never leaves the European Union

    gdpr

  • AI Act-ready

    Finom fully complies with the newly issued EU AI Act

    ai-act

  • Human validation

    You can always request a certified tax advisor to review your entries

    human-validation

  • Passkeys and 3D Secure

    Your money is protected by state-of-art measures

    3d-secure

Finom pricing and plans

Subscription plans at a fair cost tailored to fit your business.

Solo

For freelancers who need simple, essential features

You save € 14

Basic

For individual entrepreneurs or small teams taking their first steps. Simple, essential tools to start and stay in control

You save € 9

Smart

For small to medium-sized businesses with straightforward needs. Flexible tools and higher limits for daily operations

€ 0 / month€ 0 / monthFree for the first 6 months, then just €9/month

€ 0 / month€ 0 / monthFree for the first 6 months, then just €5/month.

excl. VAT

€ 0 / month€ 0 / monthIncluded in your plan

Access

Access

Access

Connect your bank accounts

Connect your bank accounts

Connect your bank accounts

Web & mobile app

Web & mobile app

Web & mobile app

Invoicing

Invoicing

Invoicing

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

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

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

Optional QR Codes & clickable Paypal links on invoices

Optional QR Codes & clickable Paypal links on invoices

Optional QR Codes & clickable Paypal links on invoices

Multiple languages and currencies

Multiple languages and currencies

Multiple languages and currencies

Invoice customization

Invoice customization

Invoice customization

Invoice and incoming payments status tracking

Invoice and incoming payments status tracking

Invoice and incoming payments status tracking

Create offers and convert them to invoices

Create offers and convert them to invoices

Create offers and convert them to invoices

Send payment reminders

Send payment reminders

Send payment reminders

Recurring billing

Coming soon

Recurring billing

Coming soon

Recurring billing

Coming soon

Collecting documents via email forwarding

Collecting documents via email forwarding

Collecting documents via email forwarding

Upload, download, export, store

Upload, download, export, store

Upload, download, export, store

Bookkeeping

Bookkeeping

Bookkeeping

Receipt scanning & automatic recognition

Receipt scanning & automatic recognition

Receipt scanning & automatic recognition

Automatic receipt & transaction reconciliation

Automatic receipt & transaction reconciliation

Automatic receipt & transaction reconciliation

Smart categorisation nach SKR (AI smart rules)

Smart categorisation nach SKR (AI smart rules)

Smart categorisation nach SKR (AI smart rules)

Upload, download, export, store

Upload, download, export, store

Upload, download, export, store

GoBD Long term document archive

GoBD Long term document archive

GoBD Long term document archive

Taxes

Taxes

Taxes

Automatic VAT forecast

Automatic VAT forecast

Automatic VAT forecast

Automatic UStVA, UStE, GewSt, ZM creation

Automatic UStVA, UStE, GewSt, ZM creation

Automatic UStVA, UStE, GewSt, ZM creation

Automatic EÜR & GUV creation

Automatic EÜR & GUV creation

Automatic EÜR & GUV creation

Submit reports directly to the Finanzamt

Submit reports directly to the Finanzamt

Submit reports directly to the Finanzamt

DATEV / ELSTER exports

DATEV / ELSTER exports

DATEV / ELSTER exports

Compare plans

All-in-one Business Platform

Plans

Solo

€ 0 / month€ 0 / monthFree for the first 6 months, then just €9/month

BasicYou save € 14

€ 0 / month€ 0 / monthFree for the first 6 months, then just €5/month.

SmartYou save € 9

excl. VAT€ 0 / month€ 0 / monthIncluded in your 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

Coming soon

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

Automation & AI

AI-powered categorisation suggestions

AI Accounting co-pilot for accounting questions

Guided checklist for missing documents

Collaboration & services

Access for accountant

Automatic UStVA, UStE, GewSt, ZM creation

Guided checklist for missing documents

Business account

Business bank account

Debit cards

Payments and Transfers

Cash and withdrawals

Interest and cash management

Cashback

0%

1%

3%

Expense management

Scheduled payments

Bulk payments

Users included

1

2

Chat support

Up to 1 business day

Up to 3 hours

Up to 3 hours

Please note that certain services are directly provided to you by a payment institution. Finom charges you for the platform services.

For our detailed price list, download PDF here

FAQ

  • What makes Finom Business Accounts with integrated Accounting worth trying?

    Finom combines your business account and accounting in one place, so you can manage money, bookkeeping, and taxes without switching tools. Scan receipts, track expenses, create invoices, and file directly with the Finanzamt – no accounting background needed. It's simple, automated, and significantly more affordable than traditional solutions, with a free trial to get started.

  • Who is Finom Accounting for?

    Finom Accounting is built for freelancers, Einzelunternehmer, Gewerbetreibende, and Kleinunternehmer in Germany. It also supports UGs and GmbHs for day-to-day bookkeeping and VAT workflows. For full annual financial statements (Bilanz, GuV), you would still need to handle these separately – advanced reporting features are coming soon. It's ideal if you want a simple, compliant setup without relying on expensive accountants.

  • What can I actually do with it?

    You can manage your entire workflow in one place:
    • Automatically track income and expenses
    • Scan and categorize receipts
    • Create and submit UStVA (VAT returns)
    • Generate EÜR and tax-ready reports
    • Monitor VAT and financial performance in real time
    Everything stays organized, audit-ready, and directly connected to your business finances.

  • Do I need accounting knowledge?

    No. The platform is intuitive and designed to guide you step by step. Automation and built-in checks ensure your data is complete and accurate, so you can confidently manage your finances – even if you're new to accounting.

  • How is this different from accountants or other tools?

    Unlike traditional accounting or standalone tools, Finom:
    • Combines banking and accounting in one platform
    • Automates repetitive tasks like categorization and reporting
    • Alerts you if something is missing before deadlines
    • Keeps everything in one place – no back-and-forth with documents
    You get full control with guidance and automation that reduces errors and saves time – all at a fraction of the cost.

  • 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.

  • Can I use it without a VAT number?

    Yes. Finom works for businesses both with and without VAT obligations and adapts to your setup.

  • How much does it cost?

    Finom Accounting is free for the first 6 months and remains significantly cheaper than traditional accounting solutions afterward. Pricing ranges from €0 to €9 per month, depending on your Finom business account plan.

  • Does Finom integrate with other tools?

    Yes. Finom integrates with tools like DATEV, lexoffice, sevdesk, and Finanzamt, making it easy to sync your financial data across systems.

  • Is my data safe?

    Yes. Finom is a GDPR-compliant European company with strong encryption and security standards. Your financial data is fully protected and always under your control.