# Xolo review (2026): is the free plan enough? > Invoicing, accounting and compliance for solo business owners Checked Nov 13, 2026 · graded Nov 13, 2026 by ToolGPA. Xolo is an Estonian service for independent workers. Xolo Go lets people invoice clients without a registered company, and Xolo Leap sets up and runs an Estonian e-Residency company with accountants handling reporting and tax filings. It is priced in euros, not dollars, and sold as a service as much as software. - **Category:** Accounting & Invoicing - **Made by:** Xolo OÜ - **Website:** https://www.xolo.io - **Runs on:** Web - **Who should skip it:** Pricey if you invoice a lot through Go, since 5.9% of everything adds up. - **Facts last checked:** Nov 13, 2026 ## Pricing As of Nov 13, 2026, Xolo has a free plan, and paid plans start at €59 per month (Xolo Leap Starter), excluding VAT. - **Pricing model:** Free plan - **Free plan:** Xolo Go has no monthly fee: you invoice without a company and pay a 5.9% flat-rate fee. - **Free trial:** None listed. | Plan | Price | What you get | | --- | --- | --- | | Xolo Go | €0 per month, pay-as-you-go | Invoice without a company for a 5.9% flat-rate fee; B2B freelance and contracting services. | | Leap Starter | €59 per month, excluding VAT | Estonian company accounting; first 12 months or until revenue of €4,000. 50 sales and 20 purchases a month. | | Leap Standard | €99 per month, excluding VAT | Same service as Starter without the revenue limit; up to 50 sales and 20 purchases a month. | | Leap Pro | €139 per month, excluding VAT | Up to 500 sales a month, shareholders, OSS reporting and investment activities. Two months free on offer. | | Leap Premium | €259 per month and up | For complex companies: 500+ sales a month, 1 hour a month with a senior accountant and priority support. | Read from https://www.xolo.io/zz-en/pricing on Nov 13, 2026. Prices change, so confirm with Xolo before buying. ## Ways to pay less - **Two months free on Leap Pro** (Other savings): The pricing page offers two months free on Pro, saving €278, if you use Leap for a minimum of 6 months; it then renews at the standard fee. Source: https://www.xolo.io/zz-en/pricing ## Key features - **Invoicing without a company:** Xolo Go issues invoices with a VAT number under a partnership agreement and pays out to a personal bank account. - **Company registration:** Leap helps register an Estonian company remotely for e-Residency holders, and the site says registration can take one or two days. - **Accounting and tax reporting:** Accountants prepare monthly bookkeeping, Estonian VAT declarations, annual reports and income and social tax reporting on Leap plans. - **Invoices and recurring billing:** Invoices are created and sent from the Xolo Self Service portal, with recurring invoices, VAT checks against VIES and multi-currency billing. - **Expense handling:** Each company gets a unique email address to forward expense documents, which are digitized automatically. - **Bank and payment links:** Leap plans list integrations with LHV, Wise, Revolut, Wamo, Payoneer, Stripe and PayPal. ## Good for - Freelancers who want to invoice EU clients without a company - e-Residency holders running a one-person Estonian company - Solo owners who want accountants to handle filings ## Worth knowing - Prices are in euros and exclude VAT; Premium and the e-commerce add-on (€59 a month) vary with complexity. - Leap is built around Estonian companies and Estonian tax reporting; Xolo also runs Spain and Italy products with separate pricing. - Xolo Go serves B2B services only, and its 5.9% fee applies to what you invoice. - Early annual report delivery and late documents cost €200 each, and the Pro promotion needs a minimum of 6 months. ## ToolGPA grades **GPA: 2.2 out of 4**, graded Nov 13, 2026. Xolo is a service as much as software: Xolo Go lets you invoice without a company for a 5.9% fee, and Leap runs an Estonian e-Residency company with accountants from €59 a month. It's built around Estonia, and the fees and extras add up. - **Value for money: C.** Leap starts at €59 a month excluding VAT, but that includes accountants doing your filings, so it's set against services rather than apps. Go costs 5.9% of what you invoice. - **Free plan and trial: C.** Go has no monthly fee, but takes 5.9% of everything you invoice. No trial for Leap. - **Features: C.** Invoicing, company set-up, accounting and tax reporting. Leap is tied to Estonian companies and Go serves B2B services only. - **Ease of use: C.** No rating on record. The accountants do much of the work, but you still set up the company and links. - **Platforms and integrations: B.** Web only, with links to LHV, Wise, Revolut, Payoneer, Stripe, PayPal, Shopify and Amazon. These are ToolGPA's own grades. Graded from this listing, whose facts were read from Xolo's own pages on 13 November 2026. Not based on using the product, and shorter than our full reviews. ## Where it stands among accounting and invoicing tools - Xolo's GPA of 2.2 is higher than 43 of the 127 other accounting and invoicing tools we grade, and level with 30. - It stands best on platforms and integrations (B, above 28 of 127) and worst on ease of use (C, above 6). - Its paid plans start at about $65.91 a month, against a middle price of $18.09 for the category: 82 of the 90 others that charge start lower. - On features, ease of use and platforms it scores 2.3 out of 4. 30 tools score higher and cost less. The category's chart of price against score: https://toolgpa.com/charts/accounting ## Keep it, or make your own? **Keep it.** To replace Xolo you would be making live feeds from your bank, which take an agreement with each bank or a service that has them. That is not a weekend's work, with an AI app builder or without one. It costs $790.98 a year. - You could make: Invoicing and expense tracking: an app builder makes these well. - You could not: Live feeds from your bank, which take an agreement with each bank or a service that has them. - You could not: It plugs into other products, LHV, Wise and Revolut among them. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. ## Works with LHV, Wise, Revolut, Payoneer, Stripe, PayPal, Shopify, Amazon **Tags:** Invoicing, Bookkeeping, Expense tracking ## Alternatives - [Hnry](https://toolgpa.com/tools/hnry): Tax and accounting service for sole traders in New Zealand. [Compare](https://toolgpa.com/compare/hnry-vs-xolo) - [Indy](https://toolgpa.com/tools/indy): French bookkeeping and tax filing for freelancers and small firms. [Compare](https://toolgpa.com/compare/indy-vs-xolo) - [Bench](https://toolgpa.com/tools/bench): Bookkeeping done by an assigned bookkeeper, with optional tax filing. [Compare](https://toolgpa.com/compare/bench-vs-xolo) - [Pilot](https://toolgpa.com/tools/pilot): Done-for-you bookkeeping, tax and CFO services for small companies. [Compare](https://toolgpa.com/compare/pilot-vs-xolo) - [Countingup](https://toolgpa.com/tools/countingup): UK business current account with built-in bookkeeping. [Compare](https://toolgpa.com/compare/countingup-vs-xolo) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 13, 2026: - https://www.xolo.io/zz-en - https://www.xolo.io/zz-en/pricing - https://www.xolo.io/zz-en/go Page: https://toolgpa.com/tools/xolo Listed by ToolGPA (toolgpa.com).