The Xolo Insider’s Guide
Everything we know about Xolo in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Xolo
The Insider’s Guide
Invoicing, accounting and compliance for solo business owners
Every plan, grade, refund rule and rival among accounting and invoicing tools, read from Xolo’s own pages.
Made by Xolo OÜ · checked Nov 13, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Xolo’s own pages, its app-store listings and our grades. Every fact in it is on Xolo’s page too, where it is kept up to date. Checked Nov 13, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.2
GPA, above 43 of the 127 other accounting and invoicing tools we grade
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.
To get you started, here are 9 things to know about Xolo, taken from its own pages and our grades.
The accountants do much of the work, but you still set up the company and links.
- 1
Best for freelancers running an Estonian e-Residency company
It's built around Estonia, and the fees and extras add up.
- 2
Paid plans start at about $65.91 a month
As its pricing page puts it: €59 per month (Xolo Leap Starter), excluding VAT.
- 3
There is a free plan
Xolo Go has no monthly fee: you invoice without a company and pay a 5.9% flat-rate fee.
- 4
It runs on Web
Web.
- 5
Invoicing without a company
Xolo Go issues invoices with a VAT number under a partnership agreement and pays out to a personal bank account.
- 6
Company registration
Leap helps register an Estonian company remotely for e-Residency holders, and the site says registration can take one or two days.
- 7
Accounting and tax reporting
Accountants prepare monthly bookkeeping, Estonian VAT declarations, annual reports and income and social tax reporting on Leap plans.
- 8
A 2.2 GPA, above 43 of 127
That is against the other accounting and invoicing tools we grade, on value, the free plan, features, ease of use and platforms.
- 9
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.
Xolo at a glance
- Pricing
- Free plan, from €59 per month (Xolo Leap Starter), excluding VAT
- Free plan
- Yes
- Free trial
- None stated
- Runs on
- Web
- Made by
- Xolo OÜ
- Category
- Accounting & Invoicing
- Our grade
- 2.2 GPA, fair
The report card
Best for freelancers running an Estonian e-Residency company
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.
| Subject | Grade | Comment |
|---|---|---|
| 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. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Xolo is for
- Fits if you freelance abroad and want an Estonian company run for you
- Works for sellers who want invoices without registering a company
Who it is not for
- Pricey if you invoice a lot through Go, since 5.9% of everything adds up
- Skip it if you're not using Estonia, as Leap is built around its tax reporting
- Watch out: Leap starts at €59 a month excluding VAT and rises to €259 and up
- Watch out: early annual reports and late documents cost €200 each
- Not for you if you sell to consumers, because Go is for B2B services only
Good to know
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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
~$65.91
A month to start. There is a free plan too
Xolo has a free plan. Paid plans start at €59 per month (Xolo Leap Starter), excluding VAT.
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.
The free plan
Xolo Go has no monthly fee: you invoice without a company and pay a 5.9% flat-rate fee.
Read from xolo.io on Nov 13, 2026.
Ways to pay less
Other savings
Two months free on Leap Pro
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.
Stated on xolo.io
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
1
Place it runs: Web
Invoicing, accounting and compliance for solo business owners. Here is what it does, as its own site describes it, and what it covers: invoicing, bookkeeping, expense tracking.
Invoicing, company set-up, accounting and tax reporting.
- 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.
Where it runs
- Web
What it works with
- LHV
- Wise
- Revolut
- Payoneer
- Stripe
- PayPal
- Shopify
- Amazon
Xolo is made by Xolo OÜ.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
43/127
Other accounting and invoicing tools it is graded above
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.
Each grade against the category
Every bar is all 128 accounting and invoicing tools we grade, cut by the letter each got. Xolo’s own letter is outlined.
- CValue for moneyAbove 19 of 127
- CFree plan and trialAbove 35 of 127
- CFeaturesAbove 7 of 127
- CEase of useAbove 6 of 127
- BPlatforms and integrationsAbove 28 of 127
Price against what you get
Each dot is one of 101 accounting and invoicing tools. Further left costs less; higher up scores better on features, ease of use and platforms. Xolo is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
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.
What you could make
- Invoicing and expense tracking: an app builder makes these well.
What you could not
- Live feeds from your bank, which take an agreement with each bank or a service that has them.
- It plugs into other products, LHV, Wise and Revolut among them.
What this rests on. Xolo’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Hnry, Indy, Bench, Pilot and Countingup
The 5 tools Xolo is most often weighed against, with where each one differs from it.
- 2.0GPA
Hnry
Free
Tax and accounting service for sole traders in New Zealand.
- Hnry also covers reports.
- 2.6GPA
Indy
Free plan · from €9/mo
French bookkeeping and tax filing for freelancers and small firms.
- Only Indy lists iOS and Android apps.
- 1.6GPA
Bench
From $199/mo
Bookkeeping done by an assigned bookkeeper, with optional tax filing.
- Xolo has a free plan. Bench does not.
- Xolo also covers invoicing and expense tracking.
- Bench also covers reports.
- 1.8GPA
Pilot
From $99/mo
Done-for-you bookkeeping, tax and CFO services for small companies.
- Xolo has a free plan. Pilot does not.
- Xolo also covers invoicing and expense tracking.
- Pilot also covers reports and dashboards.
- 2.2GPA
Countingup
Free trial · from £5/mo
UK business current account with built-in bookkeeping.
- Xolo has a free plan. Countingup does not, though it has a free trial.
- Only Xolo lists a web app.
- Only Countingup lists iOS and Android apps.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
13
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Xolo free?
Xolo has a free plan. Xolo Go has no monthly fee: you invoice without a company and pay a 5.9% flat-rate fee.
How much does Xolo cost?
Xolo lists 5 plans. Xolo Go: €0 per month, pay-as-you-go.
What platforms does Xolo work on?
Xolo is available on Web.
Does Xolo offer any discounts?
Xolo publicly lists the following: Two months free on Leap Pro.
Does Xolo have an Android app?
No Android app was listed when its pages were read on Nov 13, 2026. Xolo is listed for Web.
Does Xolo have an iPhone app?
No iPhone app was listed when its pages were read on Nov 13, 2026. Xolo is listed for Web.
Is Xolo open source?
Xolo is not described as open source on its own site, as read on Nov 13, 2026.
What does Xolo integrate with?
Xolo's listing names LHV, Wise, Revolut, Payoneer, Stripe, PayPal, Shopify and Amazon.
Who makes Xolo?
Xolo is made by Xolo OÜ.
What are the alternatives to Xolo?
The closest alternatives to Xolo in our directory are Hnry, Indy, Bench, Pilot and Countingup.
How does Xolo compare with other 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.
Is Xolo good value for money?
ToolGPA grades Xolo C for value for money. 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.
Could I make my own version of Xolo?
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.
Where this guide comes from
The prices, plans, platforms and features were read from Xolo’s own pages on Nov 13, 2026, and the grades were given on Nov 13, 2026. 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.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Xolo OÜ. Prices change, so check xolo.io before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
7,721
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
7,721
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Xolo, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/xolo
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Xolo: The Insider's Guide", checked Nov 13, 2026. https://toolgpa.com/tools/xolo
Know someone choosing between accounting and invoicing tools?
Send them this guide: toolgpa.com/tools/xolo/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded accounting and invoicing tools after Xolo, each with an Insider's Guide of its own.
- Accounting & Invoicing Insider's GuideEvery one of the 129 accounting and invoicing tools we grade, compared
- Zoho Invoice Insider's GuideFree invoicing app from Zoho for freelancers and small businesses3.6 GPA
- Zoho Books Insider's GuideOnline accounting from Zoho, with a free plan and six paid tiers3.4 GPA
- Cash App Taxes Insider's GuideFree federal and state tax filing inside Cash App3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Xolo’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Xolo is a trademark of its owner, and this guide is not made, paid for or approved by Xolo OÜ. Prices and plans change: check xolo.io before you buy.