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Invoicing and taxes for businesses in Germany

Send German invoices and know how much you actually keep.

Issue invoices under German rules and see straight away how much tax and contributions you'll owe. Available in English, German, Polish or Russian.

Start free for 14 daysSee pricing

14 days free · no card required

For sole traders and anyone running several Gewerbe in Germany.

  • GoBD-compliant
  • ZUGFeRD and XRechnung e-invoices
  • DATEV export
  • 14 days free, no card
  • Built for German tax lawGoBD, ELSTER and DATEV handled out of the box.
  • 100+ businessesalready run their invoicing and taxes on Finanzigo.
  • Support in your languageWrite in English and a real person replies, not a bot.
Finanzigo · Dashboardillustrative view · sample data

You send an invoice for €5,000. What's actually left?

Enter your annual profit and watch, live, how much tax and contributions Finanzigo works out — the same engine that runs inside the app.

How much of your profit you keep

2025 rates
€60,000
Type of business
You keep, per year€32,711

Set aside €2,274 a month · effective rate 45.5 %

You keep
€32,711
ESt + Soli
€9,445
Gewerbesteuer
€5,094
Krankenkasse
€12,750

Estimate: Grundtarif (single-person rate), no Kirchensteuer. GKV Techniker Krankenkasse 21.3% incl. Pflege (childless). The same engine calculates taxes in the app. This is not tax advice.

What exactly it is

Invoicing and tax software for people who run a business in Germany and would rather work in their own language.

What it is

  • Invoices, quotes, clients and expenses for an Einzelunternehmen, Freiberuf, GbR, UG or GmbH.
  • Taxes calculated continuously from what's in your documents.
  • Figures ready to enter in ELSTER, or a DATEV export for your Steuerberater.

What it isn't

  • An accounting firm.
  • A tax adviser. We don't file returns on your behalf.

What changes when you move your business to Finanzigo

Today: Invoice numbers tracked from memory or in Excel
With Finanzigo: Gap-free numbering, assigned on issue and locked
Today: How much to set aside for tax? You find out a year later
With Finanzigo: Tax and contributions recalculated with every invoice
Today: The UStVA deadline is in the calendar, if someone put it there
With Finanzigo: Prepayment and UStVA deadlines calculated from your data
Today: Payment reminders written by hand, without interest
With Finanzigo: Mahnung with Verzugszinsen and Mahngebühr under § 288 BGB
Today: Year end: a bag of receipts and an email to your adviser
With Finanzigo: Year end: one DATEV or GoBD export

Run your business yourself. Bring in an adviser only when you really need one

Finanzigo doesn't pretend to be a tax adviser. It keeps your documents in order, enforces the rules and shows you, as you go, how much tax to set aside, so the German system stops being a black box.

Small business

You can manage without an accountant

One business, straightforward income, perhaps Kleinunternehmer (small-business VAT exemption). The app takes care of the formalities and you keep your numbers under control all year.

  • GoBD-compliant invoices and expenses with receipt scans
  • A running estimate of income tax, Gewerbesteuer and Krankenkasse
  • EÜR and UStVA ready to enter in ELSTER
  • Ready-made letters to the Finanzamt, e.g. lowering prepayments or a Stundung (deferral), with filing instructions

Larger business

You know what you're paying your adviser for

Several Gewerbe, an employee, a company car: at that scale a Steuerberater pays for itself. With Finanzigo they work on your taxes, not on sorting your paperwork.

  • DATEV export and tidy books instead of a bag of receipts
  • A separate read-only account for your adviser
  • Annual planner: check the impact of a decision before you ask about it
  • You understand where every number in your tax return comes from

  • Understand the system instead of just trusting it

    Taxes broken down line by line: income tax, Soli, church tax, Gewerbesteuer and VAT, with prepayment dates calculated from your data.

  • No surprises in March

    A full-year projection shows how much to set aside for Vorauszahlungen (tax prepayments) and the annual return before the Bescheid (tax assessment) arrives.

  • Costs you don't lose

    Record expenses, your Fahrtenbuch (mileage log) and business trips as they happen instead of reconstructing them from memory a year later.

  • Less work for your adviser

    Complete, well-organised data means less time spent on paperwork, which usually means a smaller bill.

The figures are a solid basis for planning, not tax advice. When choosing a legal form, optimising your taxes or facing a Finanzamt audit, a Steuerberater is worth having. With Finanzigo you simply need one less often.

Invoicing

Finanzigo · Invoices / New invoiceillustrative view · sample data
Invoice editor with PDF preview.

Invoices the Finanzamt can't fault

  • § 14 UStG
  • GoBD
  • ZUGFeRD / Factur-X
  • XRechnung 3.0

The number is assigned from a continuous sequence when you issue the invoice, the document is locked, and any correction becomes a Stornorechnung (cancellation invoice) referencing the original. That's what GoBD requires, and it works this way by default, with nothing to set up.

E-invoice format
ZUGFeRD/Factur-X (PDF with embedded XML) and XRechnung for public-sector clients.
Tax clauses
§ 19 UStG, Reverse Charge, intra-EU supplies and exports, chosen by the client's status.
Kleinbetragsrechnung
Up to €250 gross, the document automatically uses the simplified form (§ 33 UStDV).
Design and branding
Your own invoice and email template, colours, logo and sender — under Invoice design / Email templates.

Taxes

Finanzigo · Taxesillustrative view · sample data
Taxes: full-year projection.

The Finanzamt's bill stops being a surprise

  • § 32a EStG
  • § 35 EStG
  • SolZG
  • UStVA

Every booked invoice and expense goes straight into the calculation. You see income tax, Soli, church tax, Gewerbesteuer and your VAT balance, year to date and projected for the full year.

Quarterly prepayments
Dates and amounts of Vorauszahlungen under § 37 EStG and § 19 GewStG, calculated from the current projection.
Gewerbesteuer
Hebesatz (local multiplier) suggested from your city name, the €24,500 Freibetrag (allowance) and the credit against income tax under § 35 EStG.
Kleinunternehmer
Tracks the § 19 UStG limit and warns you before you cross the threshold during the year.
Reports
EÜR, BWA, SuSa and UStVA, ready to enter in ELSTER or hand to your adviser.

Receivables

Finanzigo · Invoices / RE-2026-0140 / Processillustrative view · sample data
Dunning process with calculated interest.

Reminders that calculate interest for you

  • § 288 BGB
  • Basiszinssatz
  • Mahngebühr
  • €40 B2B flat fee

Zahlungserinnerung (payment reminder), first and final Mahnung, properly spaced. Late-payment interest based on the Basiszinssatz, a dunning fee and the €40 flat fee for B2B are added in line with § 288 BGB.

Proof of sending
Every document sent is stored unalterably, ready for debt collection.
Card payment
A Stripe link on the invoice and in the email. The money goes straight to your account.
Open tracking
See when the client opened the document before you start chasing.

Paperwork

Finanzigo · Taxes / Krankenkasseillustrative view · sample data
GKV and PKV compared.

Krankenkasse and business registration in one place

  • § 240 SGB V
  • GKV / PKV
  • Gewerbeanmeldung
  • § 34a GewO

The calculator compares the profit-based GKV (statutory) contribution with a monthly PKV (private) premium, taking the Mindestbemessungsgrundlage and Beitragsbemessungsgrenze into account. Plus a document checklist and the registration steps, including for people who have just arrived.

A search of ready-made wording for the Gewerbeanmeldung warns you when an activity needs a permit. You find out before you apply, not after.

Several Gewerbe? One account, one tax picture

  • GewSt per business
  • ESt once, on the total
  • § 35 EStG

Gewerbesteuer is calculated separately for each business, because that's how the Hebesatz works. But you pay Einkommensteuer as a person, on your total profit. Finanzigo keeps both in one place and gives you a combined view.

In typical German accounting software, every business means a separate subscription and a separate login.

Finanzigo · Business switcherillustrative view · sample data
Several businesses in one account, with a combined view.
Example: one person, three businesses
BusinessProfitGewerbesteuer
Netzigo IT-DienstleistungenBerlin · Hebesatz 410 %€48,000€3,372
Umzüge KowalskiLeipzig · Hebesatz 460 %€31,000€1,047
Übersetzungen (Freiberuf)Berlin · no Gewerbesteuer€17,000€0
Total€96,000€4,419

Einkommensteuer calculated once, on the total of €96,000: €25,208 after the Gewerbesteuer credit (§ 35 EStG), plus Soli €626.

Calculated with the Finanzigo engine: Grundtarif (single-person rate), no Kirchensteuer or contributions.
FeatureFinanzigoTypical German tools
Several businesses (Gewerbe) in one accountyesseparate account per business
Einkommensteuer, Soli, Kirchensteuer, Gewerbesteueryesyes
Krankenkasse calculator and guide (GKV/PKV)yesno
Business description and permit check for the Gewerbeanmeldungyesno
E-invoices: ZUGFeRD / Factur-X / XRechnungyesyes
Mahnwesen (dunning) with interest calculationyesusually in a pricier plan
Entry plan price€9/month€8–12/month

An indicative comparison with popular German accounting tools (as of 2026). Lexware Office requires a separate subscription for each business. With us, several Gewerbe fit in one account.

Your documents, your data

Finance software should be predictable. Below is what follows from how the app works, not from promises.

Details: Datenschutz, AGB, Impressum.

  • An issued invoice can't be quietly changed

    Once issued, an invoice is locked and numbering stays sequential. Corrections are only possible as a Stornorechnung (cancellation invoice) referencing the original, exactly as GoBD requires.

  • Documents kept for 10 years

    Invoices and receipt scans are stored unalterably for the full retention period German tax law requires.

  • Your data, always downloadable

    Full GoBD/GDPdU and DATEV export at any time, including after the trial and before you cancel. We never hold your data hostage.

  • Client payments go straight to you

    Card payments are handled by Stripe and land directly in your Stripe account. Card details never pass through Finanzigo.

  • Passwords and access

    Passwords are stored only as bcrypt hashes. Employees and your bookkeeper get their own accounts with limited permissions, so nobody shares a password.

  • Clear about the limits

    Finanzigo calculates taxes from your documents, but it is not a tax adviser. The figures are a reliable estimate for planning; the return is filed by you or your Steuerberater.

Pricing

Prices exclude VAT (19% is added). Every plan starts with a 14-day trial, no card required.

Billing period

Business

Most popular

For businesses that invoice regularly and keep an eye on payments.

€15/ month, excl. VAT

Billed yearly: €180. That's €36 less than paying monthly.

  • Everything in Starter
  • Up to 3 businesses (Gewerbe)
  • Mahnwesen (dunning) with interest
  • Card payments (Stripe)
  • Your own branding and email sender
  • DATEV and GoBD/GDPdU export
  • Employee and bookkeeper on your team
  • Document open tracking
Start free for 14 days

14 days free, no card required

Starter

€8 / month

One business, full invoicing.

  • 1 business (Gewerbe/Freiberuf)
  • Invoices, quotes, clients, expenses
  • Tax and Krankenkasse calculator
  • ZUGFeRD/Factur-X e-invoices
Start with Starter

Kanzlei

€24 / month

Many Gewerbe, or an adviser looking after clients.

  • Everything in Business
  • Unlimited businesses
  • Combined tax view
  • Priority support
See Kanzlei

Prices exclude 19% VAT. Card payments via Stripe incur an additional platform transaction fee; details in the AGB.

Before you ask

The app enforces the rules for you: numbering, GoBD locks, tax clauses and deadlines. The interface is available in English, German, Polish and Russian; your documents always go out in German. For 14 days you can try it on your own invoices before paying anything.

No. The trial starts right after sign-up, with no card and no automatic switch to a paid plan. We only ask for payment details once you decide to stay.

Nothing disappears. Your account switches to read-only: you can't issue new documents, but you can still download the full GoBD/GDPdU and DATEV export. Your data stays yours, whatever you decide.

Finanzigo doesn't replace your adviser, it shortens their work. Instead of a binder they get a DATEV export, tidy books and their own read-only account. Less sorting usually means a smaller bill, and you understand what you're paying for.

Invoices are numbered sequentially, locked once issued, and corrections go through a Storno referencing the original. ZUGFeRD/Factur-X and XRechnung are supported. It's a compliant tool, not tax advice.

Yes. There's no fixed-term contract and no notice period. You can change plans instantly, cancellation takes effect at the end of the paid period, and you can download all your data before you go.

German taxes? You've got this.

Send your first invoice today. 14 days of full access, no card. If you leave, your data goes with you.

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