Tools for entrepreneurs

Tools for the self-employed (OSVČ) in 2026

You need to issue invoices, separate your business money and keep an eye on advance payments for tax and insurance. You can handle most of this for free or for a few hundred crowns a month — we'll advise you on where to start.

invoicing from 0 Kč business account 0 Kč data box provided by law EET abolished

Comparison of invoicing software Business account

What are you currently dealing with?

Invoicing software

from 0 Kč · paid plans from ~164 Kč/month

You need: to issue invoices, track costs and monitor advance payments for insurance.

Compare software

Business account

0 Kč/month at Fio and Air Bank

You need: to separate business and personal money and present a professional image.

Choose an account

Calculators and tools

flat rate vs. expenses · advance payments

You need: to calculate your tax, choose a tax regime and plan your contributions.

OSVČ taxes

Comparison of invoicing software 2026

Tool	Free plan	Cheapest paid plan	Best suited for
iDoklad	✓ 1 user, max. 5 customers	Basic 187 Kč/month (annual billing)	Growing self-employed people (OSVČ) and companies dealing in goods — advanced stock management, bank integrations
Fakturoid	✓ unlimited invoices, max. 5 customers	Na lehko 164 Kč/month (annual billing)	Freelancers and the self-employed (OSVČ) — simplicity and calculation of advance payments for social and health insurance
Caflou	✓ Želva — 1 user, 100 objects	Pstruh 379 Kč/month	Project-based businesses — CRM, projects and cashflow under one roof
Vyfakturuj.cz	✓ unlimited invoices, max. 5 customers	Mini 175 Kč/month	Beginners looking for cheap, straightforward invoicing (80 % discount for a new IČO (business ID))

Prices are exclusive of DPH (VAT), per month; for iDoklad and Fakturoid this is the rate on annual billing, Vyfakturuj quotes a single monthly price. Verified as of 2026 against the providers' price lists. SaaS price lists change — always verify against the provider's price list before ordering. All free plans support invoicing for a maximum of 5 customers.

Categories of tools for the self-employed (OSVČ)

Invoicing software

iDoklad, Fakturoid, Caflou or Vyfakturuj — from free plans to paid ones from ~164 Kč/month.

Business bank account

Not mandatory (except for VAT payers, regulated professions and a business loan), but recommended. Free at Fio and Air Bank.

Data box

A self-employed person (OSVČ) receives a data box (datová schránka) automatically and free of charge by law. Once it is activated, you file overview statements and the tax return electronically.

Tax and advance payment calculators

Flat-rate tax vs. lump-sum expense allowances vs. actual expenses, and calculation of monthly advance insurance contributions.

E-shop and payment gateways

Selling online? Shoptet or Upgates for your e-shop, Comgate or GoPay for accepting card payments.

EET has been abolished since 2023

The electronic registration of sales (EET) was abolished as of 1 January 2023 (Act No. 458/2022 Coll.) — no self-employed person (OSVČ) is required to register sales electronically today. However, at the start of 2026 the Ministry of Finance submitted a proposal for a modernised EET 2.0 with a planned effective date of 1 January 2027; the legislation is still under discussion — check the current status with official sources (Tax Administration (Finanční správa), Ministry of Finance).

Frequently asked questions

Which invoicing software is free?

A free plan is offered by iDoklad, Fakturoid, Vyfakturuj and Caflou (Želva). It allows invoicing for a maximum of 5 customers; Fakturoid and Vyfakturuj additionally allow an unlimited number of invoices. Once you have more clients, a paid plan is required.

iDoklad or Fakturoid?

Fakturoid is the simpler and cheaper entry point (from 164 Kč/month on annual billing) and automatically calculates advance payments for social and health insurance — ideal for freelancers. iDoklad (from 187 Kč/month) has advanced stock management and stronger bank integrations, making it suitable for businesses dealing in goods.

Does a self-employed person (OSVČ) need a business account?

It is not required by law (exceptions include VAT payers, certain regulated professions and a business loan). Even so, it is worthwhile to keep business and personal money separate — at Fio banka and Air Bank you can maintain the account for free, and the account fees are tax-deductible.

What can Caflou do?

Caflou is not just invoicing software but a complete business management system — combining CRM, projects and tasks, cashflow and invoicing. For a solo self-employed person (OSVČ) who only needs to invoice, it is relatively expensive (from 379 Kč/month); it pays off for project-based businesses and small teams.

Do I have to register sales electronically (EET)?

No. The electronic registration of sales (EET) was abolished as of 1 January 2023. A proposal for EET 2.0 with a planned effective date from 2027 is being prepared, but for 2026 no registration obligation applies.

Calculate your taxes and advance payments

Before choosing a tool, clarify your tax regime and monthly contributions. Everything is set out clearly in the pillar on OSVČ taxes — including the flat-rate tax and insurance.

OSVČ taxes 2026