Fakturoid vs Holded (2026): which should you pick?

Pick Fakturoid if

• Fits if you are a Czech sole trader who wants levy and VAT estimates next to your invoices
• Works for freelancers with a few customers who want the free plan

Look elsewhere if

• Skip it if you can't read Czech, because the page we read is in Czech
• Tight if you pass 5 customers, which is the end of the free plan
• Watch out: VAT returns and recurring invoices need the top Na maximum plan
• Watch out: AI document extraction is billed per 100, extra API requests are bought apart, and extra users cost 91 Kč a month

Pick Holded if

• Fits if you're a Spanish freelancer who needs invoicing with Verifactu
• Makes sense if you want inventory and a CRM next to your books

Look elsewhere if

• Tight if you stay on the free plan: 20 invoices and 50 scanned expenses a year
• Watch out: Basic allows 2 users and Standard 4, and extra users cost €12 a month each
• Watch out: Inventory starts at €25 a month and HR is €3 per employee, both as add-ons
• Not for you if you're outside Spain, unless you've checked the tax forms for your country
• Pricey if you need full accounting: that starts at Standard, €69 a month

Fakturoid

• Prices are in Czech koruna and the page is in Czech; the free plan stops at 5 customers.
• Extra users cost 91 Kč a month excl. VAT on annual billing (99 Kč billed monthly), and one accountant seat is included.
• AI extraction of documents is billed per 100 extractions, and extra API requests are bought separately.
• VAT returns and recurring invoices need the top Na maximum plan.

Holded

• Prices are in euros, exclude VAT, and the page does not say whether the figures assume monthly or annual billing.
• Each plan caps users (2 on Basic, 4 on Standard); extra users cost €12 a month each.
• Inventory starts at €25 a month and the HR module is €3 per employee a month, both as add-on Gems.
• Tax forms and e-invoicing features listed on the page are Spanish; check coverage for other countries.

Fakturoid

Invoices with web pages

Each invoice gets a web page with a QR payment code that the client can pay, add to costs or review; six invoice looks can be recolored.

Payment matching and reminders

Payments are matched by amount and variable symbol, and due-date reminders go out automatically from Na každý den.

Tax and levy estimates

Running figures for social and health insurance and income tax advances, a flat-tax band watch and VAT turnover alerts.

Tax returns

Income tax return and social security overview from Na lehko, and VAT, control and summary statements and OSS on Na maximum.

Costs, stock and quotes

Expense records with AI extraction (100 extractions cost 400 Kč excl. VAT), stock control, quotes and business cases.

Exports and API

Exports to Pohoda, Money S3, ABRA Flexi and other Czech accounting programs, plus an API of 1,500 to 20,000 requests a month.

Holded

Invoicing and quotes

Unlimited invoices on paid plans, with quotes, proformas, recurring invoices, a client portal, multi-currency and Verifactu.

Accounting

Standard and above add automatic journal entries, analytical accounting and annual accounts that an accountant can work from.

Bank connections and Wallet

Connect bank accounts to match transactions with invoices and expenses; Holded Wallet adds supplier payments and team cards.

Expense scanner

Scans receipts and extracts their data, with a fair-use limit tied to the plan's AI usage.

Spanish tax forms

Lists VAT models 303, 347, 349, 369 and 390 and IRPF models, with corporate tax forms 200 and 202 from Standard.

Inventory, CRM and projects

Inventory and HR are paid Gems; the CRM and project profitability tracking are part of the plans.

Fakturoid

• Zdarma0 Kč

  Unlimited invoices for up to 5 customers, 1 user, 6 invoice looks and 1,500 API requests a month.

• Na lehko151 Kč

  per month excl. VAT, billed annually (164 Kč billed monthly)

  Unlimited customers, running levy and tax estimates, VAT turnover watch, income tax return and accounting exports. 182 Kč with VAT.

• Na každý den211 Kč

  per month excl. VAT, billed annually (231 Kč billed monthly)

  Adds automatic payment matching, reminders, expense records with AI data extraction and 3,000 API requests. 256 Kč with VAT.

• Na maximum393 Kč

  per month excl. VAT, billed annually (429 Kč billed monthly)

  Adds recurring invoices, all VAT returns, quotes, cases, stock, planning, GoPay/PayPal and 20,000 API requests. 476 Kč with VAT.

Holded

• Light€0

  Free invoicing with Verifactu for 1 user, limited to 20 invoices and 50 scanned expenses a year.

• Starter€19

  per month, excluding VAT

  1 user with unlimited invoices and expense scanning, 1 connected bank, VAT and income tax returns and a sales funnel.

• Basic€34

  per month, excluding VAT

  2 users, 5 connected banks, cash flow, 10 recurring invoices, recurring purchases and 1 free point-of-sale store.

• Standard€69

  per month, excluding VAT

  4 users, full accounting, unlimited banks, SEPA remittances, corporate tax forms and user roles.

• Advanced€115

  per month, excluding VAT

  7 users, custom roles and fields, payment reminders, cash flow scenarios and priority support.

• Premium€229

  per month, excluding VAT

  15 users, unlimited recurring invoices, multi-country VAT and 100,000 API calls a month.

Fakturoid

• Annual discount

  Pay yearly and get a month free

  The pricing page's yearly toggle is labelled a month free, and the yearly monthly rate is lower than the monthly one.

• Startups

  50% off first yearly invoice for new businesses

  A company ID (IČO) under 12 months old gets 50% off its first yearly invoice; it cannot be combined with the yearly discount.

Holded

• Other savings

  50% off the first 3 months

  New customers get 50% off paid plans for their first 3 months, then the regular price applies, per the pricing page.

• Other savings

  Black Friday: 70% off for 3 months

  For new customers until 30 November 2026, every paid plan is 70% off for the first 3 months, in place of the usual 50%.