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85 articlesAccounting
Association Accounting in Switzerland: What Your Treasurer Needs to Know
Bookkeeping obligation under ZGB Art. 69a, annual accounts for the general assembly, VAT exemption and membership fees — the complete guide to association accounting in Switzerland.
9'
read time
Starting a business
10 Tips for Everyone Who Wants to Go Self-Employed
Want to go self-employed? Here are 10 honest tips -- from that inner voice to the breakthrough. No fluff, no empty promises. einzly helps you start right.
einzly Features
Connect Stripe with einzly: Automatically record payments & fees
Connect Stripe with einzly and automatically record all credit card payments — including fees as expenses and receipts. Effortless automated bookkeeping for Swiss freelancers.
Accounting
Accounting for Photographers: Deducting Equipment, Partial Invoices & VAT
Depreciate cameras, issue partial invoices, handle VAT correctly — the complete accounting guide for self-employed photographers in Switzerland. Easily manage it all with einzly.
Accounting
Accounting for Graphic Designers: Project Billing, Licences & Usage Rights
Accounting for graphic designers in Switzerland: project billing, usage rights, deductible software and VAT tips. Simplified with einzly.
Accounting
Starting as a Freelancer in Switzerland: Accounting, Tools & First Invoice
Business account, receipts, first invoice and monthly routine -- the practical quick-start guide for freelancer accounting in Switzerland. Get started with einzly in 30 minutes.
7'
read time
einzly Features
Automate Your Bookkeeping: 5 Tasks Your AI Assistant Handles
Create invoices, scan receipts, monitor deadlines, manage recurring entries — the einzly AI assistant automates these 5 bookkeeping tasks for Swiss freelancers.
einzly Features
New: Accountant Access in einzly — Share your books directly
With the new accountant access in einzly, self-employed professionals can share their accounting data directly with their accountant. Read access, year-end review and notes — all in one tool.
einzly Features
Automatic Foreign Currency Conversion at Daily Rates with einzly
einzly automatically converts expenses and income in EUR, USD, or GBP to CHF at the current daily exchange rate — rounded to 5 centimes, as required by Swiss accounting standards.
Service as a Software
Accounting software was yesterday — why einzly is more than a tool
Most accounting programs offer standard features for the masses. einzly takes a different approach: personal service, agile development, and custom features for every business.
VAT
Input Tax Deduction in Switzerland: How to Reclaim VAT
Input tax deduction explained: Who can claim it, what the requirements are, and how self-employed professionals correctly reclaim paid VAT in Switzerland.
7'
read time
Finance
Why You Shouldn't Sell Hours as a Self-Employed Professional
The better and faster you get, the less you earn — if you bill by the hour. Why self-employed professionals should sell their value instead of their time, and how to make the switch.
Starting a business
Sole Proprietorship, LLC or Corporation? Legal Forms Compared
Sole proprietorship, GmbH or AG: Which legal form suits your business? Comprehensive comparison of costs, liability, taxes and accounting requirements in Switzerland.
einzly Features
AI Receipt Scanner — Capture Expenses in Seconds Instead of Typing
Photograph a receipt, let the fields fill automatically, save. The AI receipt scanner in einzly recognizes supplier, amount, date and category — GDPR-compliant.
Taxes
Tax Return for Sole Proprietorships: A Step-by-Step Guide
How to correctly declare your business income as a sole proprietor in your personal tax return — with all forms, deductions, and deadlines for Switzerland.
Finance
Liquidity Planning for the Self-Employed: How to Stay Solvent
Poor liquidity is the number one reason for business failures in Switzerland. Learn in 5 steps how to secure your solvency as a self-employed person — with practical tips and a sample liquidity plan.
8'
read time
einzly Features
Recurring Invoices — automatically created as a draft every month
Set up recurring invoices in einzly: create the template once, and a new draft is automatically generated every month. You review and send it yourself — full control.
einzly Features
Import Customers via CSV — How It Works in einzly
Import customer data from Banana, bexio, Magic Heidi or other tools into einzly using a CSV file. Step-by-step guide with template.
einzly Features
Automate Recurring Expenses — How It Works in einzly
Set up monthly fixed costs like rent, hosting or software subscriptions once and let einzly record them automatically every month. Here's how.
Taxes
Pillar 3a Tax Calculator: How Much You Really Save
Calculate your personal tax savings from pillar 3a contributions — broken down by federal, cantonal, and municipal taxes. With interactive calculator.
Accounting
Swiss Accounting Software 2026: The Complete Comparison for Sole Proprietors
bexio, Banana, Magic Heidi, Milkee or einzly? We compare the best accounting software in Switzerland for sole proprietors and freelancers — prices, features and what you really need.
12'
read time
Starting a business
Becoming Self-Employed in Switzerland: The Complete Guide in 10 Steps
How to become self-employed in Switzerland: From your business idea to VAT registration and your first invoice. 10 actionable steps for your sole proprietorship.
Taxes
Gross-to-Net Calculator for Self-Employed in Switzerland
Calculate your net income as a self-employed person in Switzerland — including AHV/IV/EO contributions, federal tax, cantonal and municipal taxes. With interactive calculator.
einzly Features
Upload terms & conditions in einzly — automatically in every invoice
How to upload your T&C as a PDF in einzly: open settings, upload the file, done. The link is automatically included in every invoice email.
einzly Features
Create invoices in foreign currencies with einzly — EUR, USD, GBP
How to create invoices in EUR, USD or GBP with einzly: select the currency, auto-adjust VAT, and record the CHF amount upon payment. Step-by-step guide.
VAT
VAT Calculator: Flat Rate vs. Effective Method
Compare the flat rate and effective VAT methods with our calculator. Find out which accounting method is cheaper for your Swiss business.
7'
read time
einzly Features
Create a QR invoice with einzly — in under 2 minutes
How to create a Swiss QR invoice in einzly: select a client, add line items, preview the QR code, and send. Visual step-by-step tutorial.
einzly Features
Set up your own letterhead & PDF branding in einzly
Upload your logo, choose an accent colour, and add your letterhead in einzly — so your invoices, quotes, and reminders look professional and consistent.
Accounting
Creating a Coaching Invoice: What to Include and How to Bill Correctly
What belongs on a coaching invoice in Switzerland? Billing models, VAT obligations for coaches, deductible costs and a sample invoice — all in one article.
Templates
Expense Report Template: Free Excel Download
Free expense report template as Excel download. With categories, receipt numbers and automatic formulas — ideal for Swiss self-employed professionals.
Templates
Time Sheet Template: Free Excel Download
Free time sheet template as Excel download. With hourly rate calculation, client overview and automatic formulas — perfect for freelancers.
6'
read time
Templates
Cash Book Template: Free Excel Download
Free cash book template as Excel download. With running balance, cash count section and automatic formulas — perfect for Swiss small businesses.
Taxes
Save Taxes as a Self-Employed Person: 10 Legal Tips for Sole Proprietors
Pillar 3a, depreciation, expenses and more -- 10 proven strategies for sole proprietors in Switzerland to legally reduce their tax burden. With concrete figures for 2026.
VAT
Practical Example: VAT Settlement with Flat Rate Tax in einzly
Step-by-step guide: How to create your VAT settlement with flat rate tax in einzly. Concrete example with all figures for the Swiss Federal Tax Administration.
Accounting
Salary as a Sole Proprietor: How Your Income Actually Works
As a sole proprietor, you don't pay yourself a salary. Your profit is your income. How private withdrawals, OASI, taxes and bookkeeping work — simply explained.
Accounting
Association Bookkeeping: Simple or Double-Entry Accounting?
Does your association need simple or double-entry bookkeeping? Legal requirements, practical examples and the right software for your association's accounting — simply explained.
10'
read time
einzly Features
Partial Invoices & Deposits — How It Works with einzly
Agree on a deposit in the quote, send partial invoices, and settle everything cleanly with the final invoice. Here's how you manage project billing in einzly.
Starting a business
Sole Proprietorship in Switzerland: The Complete Guide 2026
Start, register, and run a sole proprietorship in Switzerland — everything about accounting, taxes, VAT, and social insurance in one guide.
QR invoice
Writing an Invoice in English: Template & Mandatory Information
How to write an English invoice with Swiss mandatory information. Free Word & Excel templates, German–English glossary and VAT rules for international invoices.
Templates
Swiss Invoice Template: Free Word & Excel Download
Free Swiss invoice template as Word and Excel download. With all mandatory information, VAT fields and space for the QR payment part.
Templates
Swiss Quote Template: Free Word & Excel Download
Free quote template for Switzerland as Word and Excel download. With all key components, professional layout and step-by-step guide.
7'
read time
Templates
Swiss Payment Reminder Template: Free Word & Excel Download
Free payment reminder template for Switzerland as Word and Excel download. 1st, 2nd and 3rd reminder — with all key details and step-by-step guide.
Finance
Pillar 3a for Self-Employed: Maximum Deductions, Tips & Providers 2026
Make the most of pillar 3a as a self-employed person in Switzerland: Maximum contributions 2026 (CHF 7'258 or CHF 36'288), tax advantages, provider comparison and withdrawal options.
Finance
Voluntary BVG Affiliation for Self-Employed: Is It Worth It?
Voluntarily joining a pension fund as a self-employed person: Options, costs, tax advantages and comparison with pillar 3a. All the facts for your decision.
Finance
Insurance for Self-Employed: Mandatory, Recommended & Optional
All important insurance policies for self-employed persons in Switzerland: What is mandatory (KVG, OASI), what is recommended (daily sickness allowance, liability) and what is optional? With cost overview and prioritisation.
Taxes
Deducting Home Office Costs as a Self-Employed Person: How It Works
Tax deductions for home office as a self-employed person in Switzerland: What is deductible, how to calculate the workspace share and which documents you need. With sample calculation.
7'
read time
Accounting
Payment Terms & Conditions: How to Set Them Correctly (Switzerland)
What payment terms apply in Switzerland? Everything about OR Art. 75 ff., early payment discount, default interest, reminders and debt collection — with concrete wording for your invoices.
Accounting
Calculating Profit as a Sole Proprietorship: Formula, Example & Tax Tips
How do you calculate the profit of your sole proprietorship? The formula, what counts as income and expenses, the difference between turnover and profit, and how profit flows into the tax return — with a concrete calculation example.
Starting a business
Business Account for Self-Employed: Comparison of Swiss Providers
Which business account is best for self-employed persons in Switzerland? Comparison of UBS, ZKB, Raiffeisen, PostFinance, Neon and Yuh — fees, features and account opening process.
Finance
Calculating Your Hourly Rate as a Freelancer: Formula, Example & Industry Table
How do you calculate your optimal hourly rate as a freelancer in Switzerland? The complete formula including social contributions, insurance and operating costs — with industry comparison and Excel template.
Taxes
How to Correctly Tax Side Income in Switzerland
From what point is side income taxable? OASI contributions, income tax, VAT and bookkeeping requirements — everything you need to know about side income in Switzerland.
7'
read time
VAT
Voluntary VAT Registration: When Is It Worth It?
Even below CHF 100'000 turnover, you can voluntarily register for VAT. Learn when it is worthwhile, how to register and what obligations arise.
Accounting
Receipt Retention in Switzerland: Deadlines, Rules and Digital Archiving
10-year retention obligation, digital vs. physical receipts and what happens during a tax audit — everything about receipt retention for Swiss self-employed persons.
Accounting
Receipt vs. Invoice: The Difference Simply Explained
Receipts and invoices are often confused — but there are major differences for tax and legal purposes. What you need to know as a self-employed person in Switzerland.
Starting a business
Dissolving a Sole Proprietorship in Switzerland: Step-by-Step Guide
Deregistering and dissolving a sole proprietorship: From commercial register deletion to OASI and VAT deregistration to the final tax return. All steps and deadlines.
Legal
Creating T&Cs for the Self-Employed: What to Include and What Not
T&Cs for self-employed persons and service providers in Switzerland: Which clauses are important, what is impermissible and how to incorporate T&Cs in a legally compliant manner.
8'
read time
Legal
Data Protection and nDSG for the Self-Employed: What You Need to Know
The revised Data Protection Act (nDSG) has been in force since 1.9.2023. What sole proprietorships need to be aware of: information obligation, privacy policy, processing register and penalties.
Starting a business
Commercial Register Entry for Sole Proprietorships: Obligation, Process and Costs
When is commercial register entry mandatory for sole proprietorships? Process, costs, advantages and disadvantages, amendments and deletion -- all information at a glance.
Legal
Initiating Debt Collection in Switzerland: Process, Costs & Deadlines for the Self-Employed
Swiss debt collection (Betreibung) explained step by step: From dunning letters to the collection request and seizure. With cost tables, deadlines and practical tips for the self-employed.
HR & Payroll
Hiring Employees as a Sole Proprietorship: Obligations, Costs & Process
Hiring employees as a sole proprietorship in Switzerland: Employment contracts, social insurance, payroll and all obligations at a glance.
Accounting
PayPal, TWINT & Credit Cards: How to Record Them in Your Bookkeeping
How to correctly record payments via PayPal, TWINT and credit card in simple bookkeeping. With examples, fee overview and VAT tips for Swiss self-employed professionals.
7'
read time
Accounting
Advance Payments, Partial Invoices & Final Invoices: How to Book Them Correctly
How to correctly book advance payments, partial invoices and final invoices in simple bookkeeping. With practical example, VAT tips and FAQ.
Year-end closing
Outstanding Invoices at Year-End: Do I Need to Accrue Receivables?
Do you need to accrue outstanding invoices on 31 December? Learn the difference between simple and double-entry bookkeeping and avoid double taxation.
einzly Features
Create quotes and send them directly — here's how with einzly
Create a quote, send it by email, let your client accept online, and convert it to an invoice with one click. Here's how the quoting feature in einzly works.
einzly Features
Send invoices directly from the einzly dashboard
Create an invoice, send it by email, track its status in real time, and automate reminders. Here's how invoicing works in einzly.
Templates
Accounting Excel Template: Free Download
Free Excel template for income and expense tracking. With VAT, formulas and overview — ideal for Swiss self-employed professionals.
7'
read time
Templates
Simple Bookkeeping Template: Free for Beginners
Free bookkeeping template for Swiss self-employed without VAT obligation. Track income and expenses — no prior knowledge needed.
Service as a Software
Your accounting software doesn't fit? There's a solution.
No accounting software fits 100%? Why standard tools fail in niches — and how einzly adapts to your business.
Taxes
Mileage Allowance & Travel Expenses: Current Rates for Self-Employed
Current mileage rate 2026 (CHF 0.74/km) and travel expense deductions for self-employed in Switzerland — including commute, public transport, meals and a practical example.
VAT
The Flat Tax Rate Method Explained Simply
Everything Swiss self-employed professionals need to know about the VAT flat tax rate method. Simply explained, with concrete examples.
VAT
Reverse Charge VAT Explained: Import VAT on Adobe, Canva & Co.
What Swiss self-employed professionals need to know about reverse charge VAT: when you owe VAT on foreign software subscriptions like Adobe, Canva or Google Workspace — and when you don't.
7'
read time
QR invoice
How to Create a QR Invoice: Step by Step
How to create a QR invoice in Switzerland: Step-by-step guide with all mandatory fields. Create a compliant QR invoice the right way.
Taxes
Deducting Expenses as Self-Employed: What's Allowed?
Which expenses can you deduct as a self-employed person in Switzerland? The difference between an expense policy and business expenses — and what's actually deductible.
VAT
VAT Obligation from CHF 100,000: When Does It Apply?
From CHF 100,000 annual revenue, you are subject to VAT in Switzerland. Learn when the obligation kicks in and what you need to do.
Accounting
Depreciation for Self-Employed: Rates, Methods & Practical Examples
What depreciation rates apply in Switzerland? Degressive or straight-line? All official FTA rates, calculation examples and practical tips for self-employed professionals.
AHV
How to Correctly Calculate OASI Advance Payments as a Self-Employed Person
Calculating OASI advance payments as a self-employed person: Contribution rates, calculation example and tips to avoid back-payments.
6'
read time
Year-end closing
Year-End Closing Checklist for Sole Proprietorships
Year-end closing for sole proprietorships: Complete checklist with all steps from the income-expenditure statement to the tax return.
Taxes
Private Use of Business Vehicle: Calculation, Methods & Tax Return
How is the private use share of a business vehicle calculated in Switzerland? Flat-rate method, logbook method and tax return — explained simply for sole proprietors.
QR invoice
What Must Be on a Swiss Invoice? All Mandatory Information
All mandatory information on a Swiss invoice according to VATA Art. 26. Checklist for self-employed professionals with and without VAT.
Starting a business
Starting a Sole Proprietorship in Switzerland: How It Works in 15 Minutes
Starting a sole proprietorship in Switzerland: No notary, no minimum capital. Guide from registration to your first invoice.
Accounting
Bookkeeping for the Self-Employed: What Is Actually Required?
What Swiss law actually requires from sole proprietorships -- and what is optional. From the income-expenditure statement to digital archiving.
6'
read time
VAT
VAT Return on estv.admin.ch: Step by Step
Filing your VAT return online: How to correctly fill out the form on estv.admin.ch. Step-by-step guide for self-employed professionals in Switzerland.
AHV
OASI Contributions for the Self-Employed: How Much and How to Pay
OASI contributions for self-employed persons in Switzerland: Contribution rates, minimum contribution, registration and payment deadlines at a glance.
Taxes
Taxes as a Freelancer in Switzerland: The Complete Guide
Income tax, OASI, VAT and deductible costs -- everything you need to know about taxes as a freelancer in Switzerland. Compact and practical.
Accounting
Income-Expenditure Statement: Template & Guide
The simplified bookkeeping method for Swiss sole proprietorships under CHF 500,000 revenue: What the income-expenditure statement is, how to set it up and what to watch out for.