Moneybird vs Sevdesk (2026): which should you pick?
As of Nov 12, 2026, Moneybird grades higher than Sevdesk: 2.4 against 2.2 out of 4.0.
Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA
Moneybird grades higher on features. They get the same grade on value for money, the free plan, ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Moneybird
Online accounting for freelancers and small businesses in Europe
Sevdesk
German online accounting and e-invoicing with a free plan
Which one is for you
Pick Moneybird if
- Fits if you're a Dutch or European freelancer who wants VAT returns filed electronically
- Works for online shops that connect Shopify or bol.com
Look elsewhere if
- Tight if you're on Compact: 1 invoice a month, 5 processed bank transactions and no VAT return
- Watch out: each sales invoice over your limit costs €0.15
- Watch out: iDEAL costs €0.29 a payment and cards 1% to 5%, and bank connections add small charges
- Watch out: the pricing page doesn't say which countries it serves
Pick Sevdesk if
- Fits if you're a German freelancer who must send e-invoices
- Works for small businesses that share books with a tax adviser through DATEV
Look elsewhere if
- Tight if you're on Free: 3 invoices a month
- Not for you if you're outside Germany and Austria, since it's built around German tax rules
- Pricey if you want bookkeeping and bank connection: Accounting is €25.90 a month, Accounting Pro €34.90
- Watch out: marketplace integrations may carry partner fees outside the plan price
How we grade them
| 2.4GPAMoneybirdFair | 2.2GPASevdeskFair | |
|---|---|---|
| Value for money | C€3 a month for Compact, €15 for Start and €29 for Growth, billed yearly. Compact allows 1 invoice a month and no VAT return, and fees add on, so a working plan costs about the middle. | C€12.90 a month for Invoicing and €25.90 for Accounting, excluding VAT, billed monthly. Around the middle of the category, with 12 and 24-month terms cutting it 25% to 50%. |
| Free plan and trial | CA 60-day free trial with the Complete plan's features, no obligation. No free plan. | CA free plan of 3 invoices or e-invoices a month, and a 14-day trial with no credit card on paid plans. |
| Features | BInvoices, purchase invoices, bank connections, bookkeeping, VAT returns and timesheets. The listing's limits are volumes and fees, not missing features. | CE-invoices, receipt capture, advance VAT returns, bank connection and tax adviser access. Bookkeeping starts at Accounting, and included features vary by country. |
| Ease of use | CNo store rating on record. You'll link a bank and set up your contacts and products first. | CNo store rating on record. You connect a bank and set up receipts and tax details first. |
| Platforms and integrations | BWeb, iPhone and Android, with Shopify, Magento 2, PrestaShop, Lightspeed and bol.com. | BWeb, iPhone and Android, with DATEV, ADDISON and ELSTER. |
| Best for | freelancers wanting European online accounting | German online accounting and e-invoicing |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Moneybird and Sevdesk. How we grade
Price against what you get
Moneybird starts at about $3.35 a month and scores 2.7 out of 4 on features, ease of use and platforms. Sevdesk starts at about $14.41 a month and scores 2.3.
Moneybird scores higher and starts $11.06 a month lower. Of the other accounting and invoicing tools on the chart, 1 scores higher than Moneybird for less, and 6 score higher than Sevdesk for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Moneybird also covers time tracking.
- Sevdesk also covers reports.
At a glance
| Moneybird | Sevdesk | |
|---|---|---|
| Pricing | Free trial | Free plan |
| Starts at | €3 per month, billed yearly (€4 billed monthly) | €12.90 per month, billed monthly, excl. VAT |
| Free plan | None | Up to 3 invoices or e-invoices a month, with unlimited contacts and products. |
| Free trial | 60-day free trial with the Complete plan's features, no obligation | 14 days free, no credit card required |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Moneybird B.V. | sevdesk |
| Price read from | moneybird.com | sevdesk.com |
| Checked | Nov 12, 2026 | Nov 12, 2026 |
Worth knowing
Moneybird
- Monthly invoice limits apply; beyond them each extra sales invoice costs €0.15.
- Online payments carry fees, for example €0.29 for iDEAL and 1% to 5% for cards, with a 16 cent minimum on variable fees.
- Bank connections add small charges, such as €0.03 per payment record and €1.00 to initiate a payment.
- The site is offered in English, Dutch, German and French; the pricing page does not list which countries it serves.
Sevdesk
- Built around German tax rules; the page says included features vary by country, with versions for Germany and Austria.
- The Free plan stops at 3 invoices or e-invoices a month.
- Prices shown are monthly-billed and exclude VAT; 12 and 24-month terms are offered at 25% and 50% off.
- Marketplace integrations may carry partner fees that are not part of the plan price.
Key features
Moneybird
- Invoices and quotes
- Send sales invoices and quotes, set recurring invoices and automatic reminders, and send through Peppol or collect by SEPA direct debit.
- Purchase invoices and receipts
- Scan receipts with the app, process UBL invoices and receive invoices through Peppol. Smart document processing is capped at 3 on Compact.
- Bank connections
- Link bank accounts from 1,700+ European banks and match the transactions. How many accounts and transactions depends on the plan.
- Bookkeeping and VAT returns
- Reports, ledger accounts and asset depreciation are included. Electronic VAT returns and ICP returns can be filed from Moneybird on Start and above.
- Timesheets and online sales
- Record billable hours and turn them into invoices, and take payments through a payment link or recurring subscriptions.
Sevdesk
- E-invoices and quotes
- Create invoices, quotes and delivery notes in your own layout, with ZUGFeRD and XRechnung e-invoice formats from the Free plan.
- Receipt capture
- Scan receipts with the mobile app or upload them; the system suggests a booking category and matches them to bank transactions.
- Advance VAT returns
- Prepare the advance VAT return and send it to the tax office through the ELSTER interface from the Accounting plan.
- Bank connection
- Connect online banking, which the page says supports more than 4,000 banks, and match payments to invoices.
- Tax adviser access
- A DATEV and ADDISON interface and direct account access let a tax adviser work on the data.
- Reminders and dunning
- Send payment reminders from the Invoicing plan and run multi-level dunning notices from the Accounting plan.
Plans
Moneybird
Compact€3
per month, billed yearly (€4 billed monthly)
1 user and 1 sales invoice a month, 5 processed bank transactions, no linked bank account or VAT return.
Start€15
per month, billed yearly (€18 billed monthly)
1 user, 200 sales invoices a month, 20 processed bank transactions and electronic VAT returns.
Growth€29
per month, billed yearly (€35 billed monthly)
5 users, 500 sales invoices a month, 5 linked bank accounts and 50 processed transactions.
Complete€41
per month, billed yearly (€49 billed monthly)
Unlimited users, linked bank accounts and transactions, and 1,000 sales invoices a month.
Sevdesk
Free€0.00
Up to 3 invoices or e-invoices a month in ZUGFeRD and XRechnung formats, unlimited contacts.
Invoicing€12.90
per month, billed monthly, excl. VAT
Unlimited invoices and quotes, payment reminders, DATEV interface, tax adviser access and support.
Accounting€25.90
per month, billed monthly, excl. VAT
Adds bookkeeping, AI receipt capture, bank connection, advance VAT returns, EÃœR and trial balance.
Accounting Pro€34.90
per month, billed monthly, excl. VAT
For automating bookkeeping and watching the business in real time; extends the Accounting plan.
Ways to pay less
Moneybird
- Annual discount
At least 16% off with yearly billing
The pricing page shows the yearly-billed price per month and the saving per year, from €12 on Compact to €96 on Complete.
Sevdesk
- Annual discount
25% off a 12-month term, 50% off 24 months
The pricing section offers 12-month and 24-month terms marked as 25% and 50% cheaper than paying month to month.
Common questions
Which is cheaper, Moneybird or Sevdesk?
As of Nov 12, 2026, Moneybird is cheaper to start with: about $3.35 a month, against about $14.41 a month for Sevdesk. Moneybird starts at €3 per month, billed yearly (€4 billed monthly), and Sevdesk starts at €12.90 per month, billed monthly, excl. VAT.
Which has a free plan, Moneybird or Sevdesk?
As of Nov 12, 2026, only Sevdesk has a free plan. Moneybird does not, though it has a free trial.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.