Accountable
6.1/10Mobile-first invoicing, bookkeeping, banking and tax filing app for freelancers and sole traders in Germany, Belgium, Italy and Spain.
Data last updated November 2026 · Our methodology
Overview
Accountable is an app for self-employed people, freelancers and sole traders. It combines invoicing, expense tracking, a free business account and tax filing in one place. On the German version, users can create e-invoices in ZUGFeRD and XRechnung format, along with quotes and recurring or instalment invoices. AI scans and categorises receipts and estimates their tax impact. An AI Tax Advisor answers bookkeeping questions, and the higher plans file VAT advance returns, the yearly EÜR, trade tax and income tax returns. Pricing has five tiers. Free Invoicing costs nothing but works only in the mobile app and books 5 expenses a month. Paid plans run from Invoicing Plus at 12.40 euros a month (9.90 on annual billing) to Max at 59.90 euros a month on a 12-month commitment. Max adds a personal tax coach and a tax guarantee of up to 10,000 euros. Every plan has a 30-day money-back guarantee, and the plans also include a business account with a virtual Mastercard. Separate localized versions serve Belgium (Peppol e-invoicing), Italy and Spain. Accountable suits individuals with simple finances, not companies with staff. It has no payroll, inventory or multi-entity features. Reviewers report that bank and PayPal connections sometimes drop, invoice customisation is limited, and there is no phone support.
Our Rating
Who Accountable is best for
Best software for FreelancersGood fit
The product is built specifically for self-employed people and freelancers, including their tax filings.
Less suited
It works for sole traders, but there is no payroll or multi-user business tooling.
It has no multi-entity, payroll or enterprise controls.
Pros & Cons
Pros
- Reviewers on OMR rate it 4.8 out of 5 and describe the interface as clear even for users with little accounting knowledge.
- Taxes and Max plans file VAT returns and yearly tax returns, and they include a tax guarantee of 500 to 10,000 euros.
- AI receipt scanning plus an AI Tax Advisor speeds up booking and answers questions.
- The free plan includes unlimited e-invoices in the German ZUGFeRD and XRechnung formats.
- Some users say it replaced a tax advisor and saved them substantial fees.
Cons
- Users report bank and PayPal connections that drop and need reconnecting.
- Invoice design, item management and supplier lists are limited.
- There is no phone support, and chat replies can take a day or two.
- The free tier only books 5 expenses a month and works only on mobile.
- It is designed for sole traders, with no payroll or multi-entity support.
Key Features
Not included
- Inventory Accounting
- Multi-entity Consolidation
- Payroll
Accountable Pricing
Free Invoicing
- 1 bank account
- Mobile app only
- 5 expenses per month
- Unlimited ZUGFeRD and XRechnung e-invoices
- Free business account and virtual Mastercard
Invoicing Plus
or €118.80/year (save 20%)
- 1 bank account
- Personalised invoices
- Unlimited AI Tax Advisor
- Web access for invoicing
- Unlimited quotes, recurring and instalment invoices
Bookkeeping
or €238.80/year (save 20%)
- 5 bank accounts
- Unlimited expenses
- Full web and mobile access
- Free yearly closing for Kleinunternehmer
Taxes
or €358.80/year (save 20%)
- 5 bank accounts
- Chat support from tax coaches
- Quarterly VAT returns and yearly closing
- Tax guarantee up to 500 euros per filing
Max
- 10 bank accounts
- Free physical card
- 10,000 euro tax guarantee
- 12-month commitment, 59.90 euros per month
- Onboarding call plus 4 coach calls per year
- Automatic income tax return including KAP and V annexes
- Personal tax coach with priority answers within 12 hours
Frequently Asked Questions
The pricing page does not mention a trial of the paid plans. Instead there is a permanent free plan, and all plans come with a 30-day money-back guarantee.
Annual prices are about 20 percent lower, for example 19.90 instead of 24.90 euros a month on Bookkeeping. The Max plan requires a 12-month commitment.
Yes. Plans include free accountant access through a shared view.
There are localized versions for Germany, Belgium, Italy and Spain. A freelancer should use the version for the country where they are taxed.
Yes. In Germany it supports ZUGFeRD and XRechnung, and in Belgium it supports Peppol.
The Taxes plan includes a tax guarantee of up to 500 euros per filing, and Max raises it to 10,000 euros.
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