What nobody else tells you
Trades and crafts
Materials, travel, hours – at the end of the month you want to see what is left from the job.
Sumaro for small businessesFinally know how much of your money is really yours.
Sumaro is your control center for money – for estimates, invoices, receipts and bank. At night it works out what is really yours after tax and reserves, and through Ari it answers any question about it, without you having to search.
30 daysfree trial
Balance after reserves
€4,812
after VAT and reserves
What nobody else tells you
Most people only notice when the tax bill arrives.
Invoice sent, job done – but how much of the money in your account is really yours? Between two appointments with your tax advisor, most of it happens unobserved. Sumaro checks every night: bank reconciliation, dunning run, reserve – so you know before things get tight, not after.
Self-employed with Sumaro
You earned it. Sumaro shows you how much.
You went self-employed because you want to do good work. Not to hunt for receipts, type invoices twice or chase open payments.
Never hunt for receipts again. Everything sits where you will find it later.
Write invoices in a few minutes. Check. Send. Done.
Always see what you have earned. Income, expenses and open payments at a glance.
Solo service providers and freelancers
Estimate, project, invoice – without typing the same data three times and without chasing open payments.
Bookkeeping for freelancers
Agencies, coaching, consulting
Projects, retainers and hourly rates – at the end of the month it should be clear which client really pays the bills.
Sumaro for service providers
Just starting out
Clean from day one instead of tidying up later: a reserve from the first invoice, thresholds in view before you reach them.
Understand the small business rule
Small trade and side business
Kleinunternehmerregelung (the German small business rule), thresholds in view, no nasty surprise when you switch to standard VAT.
Sumaro for the self-employedRequirements and routine
The usual runs on the side.
E-invoicingRequired since 2025
Ready for the e-invoicing mandate.
XRechnung and ZUGFeRD come from the same invoice you write anyway.
Learn more
Receipts and bank
Snap the receipt. Sumaro does the rest.
Upload or photograph receipts. Sumaro reads the details and prepares matches. You check the result; bank transactions come in via CSV import.
Learn more
Tax reserve
Set it aside before it hurts.
Sumaro estimates your tax reserve from the data you have entered and takes matched tax payments into account.
31%Example calculation – depends on your figures
Learn moreAriNew
Ask your numbers. Ari answers.
The assistant in the bottom-right corner of the app: it answers questions from your own invoices, clients and accounts – creates drafts, edits or duplicates them and creates new clients. Approval stays with you.
Learn moreAll features
Four things you would otherwise miss.
Pick an area and see what Sumaro checks there for you every night.
Not just what is open. Also what was never billed.
You can see an open invoice. An invoice that was never written shows up nowhere. Sumaro looks for them and gives you an amount – with a reason for every find.
- Accepted estimates without an invoice
- Expenses that were never billed on
- Drafts that got left behind
Sumaro knows how your clients pay.
From paid invoices, Sumaro learns how many days a client usually takes and shifts the expectation accordingly. Before any dunning letter comes the context: is this client out of character – or just paying the way they always do?
- Expected payment date instead of a bare due date
- “Later than usual” instead of a premature dunning letter
- Reminders and dunning letters only after your approval
How much of the money in your account is really yours?
VAT and the tax reserve are not free money. Sumaro takes both out and keeps apart what is expected and how much of it is already spoken for.
- Expected payments over the next 30 days
- Not yours to spend: VAT and reserve
- Calculated and estimated figures stay separate
The software does the work. You make the calls.
Bank reconciliation, dunning run and receipts inbox run on a schedule, even when nobody has the app open. One page shows what has run, what is stuck – and what piles up if you switch something off.
- Four background runs with status and timestamp
- Dunning letters are created as drafts, not sent
- Every switch tells you what piles up without it
Finance cockpit
See open payments before they go stale.
No switching between your invoice list and your bank account. Sumaro shows you what is open, what can be matched and which task should be checked next.
- Keep due dates with each invoice
- Match clear-cut payments
- Approve before anything is sent
Frankly
What Sumaro doesn’t do.
Three sentences that elsewhere sit in the fine print. Here they come first: you should know where you stand before the trial.
What Sumaro can do is listed under Features. The two belong together.
Sumaro sends nothing without you.
Dunning letters, reminders and e-invoices are created at night as drafts. Whether they go out is your decision – even if you don’t look in for three weeks.
Sumaro does not replace your tax advisor.
It prepares their work: receipts collected, monthly package put together, missing documents listed. The professional assessment stays with your tax advisor.
Sumaro’s forecasts are expectations, not promises.
The expected payment date is learned from your data, not guaranteed. That is why calculated and estimated figures stay separate everywhere.
We also show our own numbers openly – what the search engine work on Sumaro costs and what it brings in is in the guide. For the same reason: anyone who wants to know what is theirs should also know who they are dealing with.
Questions before you start
What you want to know before the trial.
No feature promise without context. Here is what Sumaro prepares, what you check and how getting started works.
Does Sumaro send dunning letters automatically?
No. The dunning run happens at night and prepares reminders and dunning letters as drafts. Whether, when and in what tone they go out is up to you – even if you don’t look at the app for a while.
Does Sumaro replace my tax advisor?
No. Sumaro collects receipts, invoices and payments as you go and, on request, packs them into a monthly package with a list of missing documents. If your DATEV consultant and client numbers are stored, it can include a DATEV posting batch whose account mapping you agree with your tax advisor. The professional assessment stays with them.
Can I bring my clients over from my old software?
You bring your client list as a CSV: you map the columns yourself, see every row with its number from the file and decide on duplicates yourself. The process has been tested on a real Lexoffice export with 35 columns. If you are coming from DATEV or Lexware, Sumaro also takes over your outgoing invoices with real line items and their own Sumaro number. Estimates and receipts deliberately stay in the old program – that is what the cut-over date is for.
Does bank reconciliation work with my bank?
With any bank: you import your bank statement as a CSV, whatever the bank, and in the same step clear-cut incoming payments are matched automatically. That is deliberately the only way – no direct bank connection, but it works no matter which bank you are with.
Does this tie me to yet another subscription?
The trial ends on its own – payment only starts when you actively decide to continue. After that, Sumaro costs €19 per month plus VAT and you can cancel any month. You can export your data as a complete backup at any time.
The next step
Your next job. Less follow-up work.
Invoices, receipts and open payments: Sumaro keeps it all together for you. So you can focus on the work you went self-employed for.