Comparison of invoicing software

Best invoicing software for the self-employed (OSVČ) in 2026

Quick answer: If you are a solo freelancer, reach for Fakturoid — it is simple, affordable and calculates your social and health insurance advance payments automatically. If you run a business with goods and inventory, iDoklad is a good fit, with advanced inventory management and bank links. Do you manage projects, CRM and cashflow? Choose Caflou. And if you want to keep your accounting locally on your own PC, there is the desktop Money S3. All of them are Czech in origin and the free plan handles invoicing for up to 5 customers.

invoicing from as little as 0 Kč free plan: 5 customers paid from 164 Kč/month EET abolished

iDoklad vs Fakturoid Business bank account

Entry prices and tool type 2026

Tool	Free plan	Cheapest paid	Type	Mobile app
iDoklad	✓ 1 user, max. 5 customers	Základní 187 Kč/month (annual billing)	Online invoicing + light accounting, inventory	iOS + Android
Fakturoid	✓ unlimited invoices, max. 5 customers	Na lehko 164 Kč/month (annual billing)	Online invoicing + calculation of insurance contributions	iOS + Android
Caflou	✓ Želva — 1 user, 100 objects	Pstruh 379 Kč/month (1 user)	CRM + projects + cashflow + invoicing	iOS + Android
Vyfakturuj.cz	✓ unlimited invoices, max. 5 customers	Mini 175 Kč/month	Online invoicing	web / responsive
Money S3	✗ (demo / trial only)	Basic from 2,990 Kč (one-off licence)	Desktop accounting, inventory, payroll	limited

Prices for SaaS tools (iDoklad, Fakturoid, Caflou, Vyfakturuj) are excluding DPH (VAT) per month; for iDoklad and Fakturoid this is the rate with annual billing (monthly billing works out more expensive). Money S3 is a desktop program sold under a one-off licence, excluding DPH (not a monthly subscription). Verified for 2026 against the providers' price lists — SaaS price lists change continuously, so always verify the exact amount directly on the given tool's price list before ordering.

Which program to choose based on how you do business

Solo freelancer

Fakturoid · from 164 Kč/month

You need: to issue invoices quickly, maintain a clear overview and track your social and health insurance advance payments.

iDoklad vs Fakturoid

Business with goods

iDoklad · from 187 Kč/month

You need: advanced inventory management and a price list, bank payment matching and support for multiple users.

iDoklad vs Fakturoid

Project-based business

Caflou · from 379 Kč/month

You need: to manage projects, tasks, CRM and cashflow — invoicing is just one module.

Taxes for the self-employed (OSVČ)

Local accounting

Money S3 · from 2,990 Kč licence

You need: to maintain a full accounting agenda on your own PC — both tax records and double-entry bookkeeping, inventory and payroll.

All tools

Summary feature table

Feature	iDoklad	Fakturoid	Caflou	Money S3	Vyfakturuj
Invoicing (invoices, advance invoices, QR)	✓	✓	✓	✓	✓
Inventory	✓ advanced	✓ basic (top plan)	—	✓ (Economy+)	—
Bank link / payment matching	✓	✓ (from „Na každý den“)	✓ (cashflow)	✓	limited
Data box (datová schránka)	partially	✓ integrated	—	✓	—
Calculation of social/health insurance advances	supporting data	✓ automatically	—	✓ (payroll/tax records)	—
CRM / projects	partially	—	✓ strong	—	partially (projects)

✓ = fully supported, — = not supported, „partially“ = limited or only in a certain plan. Fakturoid has inventory only in its highest plan „Na maximum“, and payment matching from the „Na každý den“ plan onwards. Verified for 2026 on the tools' product pages.

Free plan, discounts and the end of EET

Free up to 5 customers: iDoklad, Fakturoid, Vyfakturuj and Caflou (Želva) all handle invoicing for a maximum of 5 customers on the free plan; Fakturoid and Vyfakturuj additionally offer an unlimited number of invoices. Discounts: Vyfakturuj gives 80 % off the first annual order for trade licence holders with an IČO under 2 years old, and Fakturoid offers 50 % off the first 12 months for new starters. EET was abolished as of 1 January 2023 (Act No. 458/2022 Coll.) — no self-employed person (OSVČ) is required to record sales electronically today, so ignore the „EET“ feature in any programs that still show it. Although the Ministry of Finance submitted a proposal for EET 2.0 in early 2026 with planned effect from 1 January 2027, for 2026 no recording obligation applies (verified for 2026; the legislation is currently under discussion — monitor the Tax Administration (Finanční správa) and the Ministry of Finance (MF) for updates).

Frequently asked questions

Which invoicing program is free?

A free plan is offered by iDoklad, Fakturoid, Vyfakturuj and Caflou (Želva). All of them allow invoicing for a maximum of 5 customers; Fakturoid and Vyfakturuj additionally offer an unlimited number of invoices. Money S3 has no free plan, only a demo. Once you have more than 5 clients, you need a paid plan (the cheapest being Fakturoid from 164 Kč/month with annual billing, verified for 2026).

iDoklad or Fakturoid — which is better?

For a solo freelancer Fakturoid is usually the better choice: it is simpler, has a lower entry price (from 164 Kč/month with annual billing), has an integrated data box (datová schránka) and calculates social and health insurance advance payments automatically. iDoklad (from 187 Kč/month) has advanced inventory management, an AI Financial Radar and stronger bank links, making it a good fit for a growing business with goods. You can find a detailed comparison on the separate iDoklad vs Fakturoid page.

Which program can calculate insurance advance payments?

Automatic ongoing calculation of social and health insurance advance payments is a strong point of Fakturoid (from the „Na lehko“ plan) — it helps you monitor your insurance contributions as well as the annual overview statements for OSSZ (district social security office) and the health insurance company. iDoklad prepares supporting data for the tax return, and Money S3 handles contributions within payroll and tax records. The minimum monthly advance for social insurance for a main activity in 2026 is 5,720 Kč for the January–June 2026 period, and after the amendment 5,005 Kč from July 2026 (a return of the assessment base from 40 % to 35 %, with the overpayment for January–June being refunded); for health insurance it is 3,306 Kč throughout the year (verified for 2026 per ČSSZ and VZP).

Are there discounts on invoicing programs?

Yes. Vyfakturuj.cz gives an 80 % discount on the first annual order for trade licence holders with an IČO under 2 years old. Fakturoid offers 50 % off the first 12 months for new starters. iDoklad has a 30 % discount for Money S3 users and 50 % for non-profits and selected accountants. Always verify the offer on the provider's current price list (verified for 2026).

Do I have to record sales (EET) with an invoicing program?

No. Electronic records of sales (EET) were abolished as of 1 January 2023 by Act No. 458/2022 Coll. For 2026 no recording obligation applies. A modernised EET 2.0 system with planned effect from 1 January 2027 is being prepared, but the legislation is still under discussion — so you do not need the „EET“ feature in the programs.

Do I need the desktop Money S3, or is online invoicing enough?

For everyday invoicing by a solo self-employed person (OSVČ), an online tool (Fakturoid, iDoklad, Vyfakturuj) is sufficient. Money S3 is a „heavier“ desktop solution sold under a one-off licence (Basic from 2,990 Kč excluding VAT) — it is worth the investment when you want to keep full-fledged accounting locally on your own PC: both tax records and double-entry bookkeeping, inventory and payroll (verified for 2026).

Deciding between iDoklad and Fakturoid?

The two most popular programs pitted against each other — price, inventory, calculation of insurance contributions, bank links and mobile apps. Read the detailed comparison and choose in just a few minutes.

iDoklad vs Fakturoid