Accountable is a powerful financial management tool designed to simplify accounting and tax processes for self-employed individuals and small businesses in Germany. It offers a unified platform for managing invoices, expenses, banking, and tax declarations, aiming to reduce stress and save time. The service is built around an AI-powered tax advisor that provides personalized guidance and ensures accuracy in tax filings.
Core Features:
- Invoice Management: Create and send professional invoices, including support for e-invoicing formats like XRechnung and Peppol. This feature is available even in the free plan.
- Expense Tracking: Easily scan and upload receipts for expenses, ensuring all deductible costs are captured.
- Banking Integration: Connect your business bank account for a consolidated view of your finances and automated transaction categorization.
- Tax Declarations: Accountable supports a wide range of tax declarations, including VAT pre-registration, summary reports, income tax returns (EÜR), and annual VAT returns. It also uniquely offers a trade tax declaration for sole proprietors.
- AI Tax Advisor: A unique AI-powered assistant that answers tax-related questions, checks for errors in tax declarations, and provides personalized tips to help users save money and comply with tax laws. It's trained on German tax regulations and can consider the user's specific financial situation.
- Tax Guarantee: Accountable offers a tax guarantee, reimbursing up to €500 (or €10,000 for an extended guarantee) for tax back payments resulting from errors made by the Accountable app.
- Web and Mobile App: Access Accountable on both desktop via the web version and on-the-go with a dedicated mobile app.
- Free Business Account: Accountable provides a free business account with essential features for managing finances.
Target Users:
Accountable is primarily targeted at:
- Freelancers (Freiberufler): Individuals working independently in professions like design, consulting, IT, and creative fields.
- Sole Proprietors (Einzelunternehmer): Business owners operating as individuals.
- Small Business Owners: Particularly those who are VAT-liable or operate under the small business regulation (Kleinunternehmerregelung).
Key Benefits:
Accountable aims to provide:
- Stress Reduction: Automates complex tax and accounting tasks, removing the anxiety associated with financial management.
- Time Savings: Streamlines processes, allowing users to focus more on their core business activities.
- Cost Savings: Helps users identify potential tax deductions and optimize their tax liabilities. The AI advisor provides proactive tips.
- Accuracy and Compliance: The AI tax advisor and robust system ensure that tax declarations are accurate and compliant with German tax laws.
- Accessibility: Offers a user-friendly interface accessible via web and mobile, making financial management convenient.
Pricing and Plans:
Accountable offers a free plan with limited expense entries but unlimited e-invoicing. Paid plans include:
- PRO/PRO MAX: For VAT-liable entrepreneurs, offering full access to tax declaration features, web and app access, and enhanced tax guarantees.
- GROW/GROW MAX: Specifically designed for small business owners (Kleinunternehmer) with less than €25,000 in annual turnover, providing essential tax declaration features and the Kleinunternehmerregelung support.
Security:
Accountable emphasizes data security, operating under the supervision of the BaFin (German Federal Financial Supervisory Authority) with PSD2 licensing. It employs strict security measures, including 256-bit SSL encryption, regular penetration tests, and multi-factor authentication for user accounts.
Unique Selling Propositions:
- The integrated AI Tax Advisor is a significant differentiator, offering personalized, real-time tax support.
- The unique inclusion of a trade tax declaration for sole proprietors.
- The comprehensive Tax Guarantee provides an extra layer of financial security.
- The ability to manage both private and business tax declarations within a single platform.
