Holded vs Declarando vs Taxfix vs Renn vs Facturaz (2026)

Quick verdict (TL;DR)

• Best overall for autónomos and small SLs: Facturaz. The most automated bookkeeping in this comparison: live bank sync with automatic matching, AI receipt reading, an AI assistant that answers from your own books, and an email connection that finds the missing invoice behind a bank charge by itself. You choose who files your taxes: you on Go (€24/month + IVA), or Facturaz's team on Plus (€44/month + IVA). Caveats: it's a young company with few independent reviews, and its native app is iPhone-only.
• Best all-in-one business suite: Holded. Invoicing plus accounting, CRM, projects, inventory and payroll, with the deepest review track record (Capterra 4.6/5). Heavier than a freelancer needs, and support is its weak spot.
• Best if you want a dedicated personal adviser: Taxfix or Declarando. Taxfix assigns a gestor who files every return for you; Declarando leans on tax-saving tools and guarantees, with an adviser on its higher plans.
• Best free starting point: Renn. A permanent €0 tier with real Verifactu invoicing and Gmail expense capture, plus an optional human gestor over WhatsApp. Very few independent reviews so far.
• Watch-outs: Taxfix and Renn are gestoría-plus-software models, not DIY tools; Facturaz and Renn are early-stage; Declarando is autónomo-only (no SLs).

How we compared these five (and why they aren't identical)

It's worth being upfront: these tools don't all belong to the same category, and treating them as five interchangeable "invoicing apps" would be misleading.

• Holded is self-service software: you do the work, the software automates parts of it.
• Declarando, Taxfix (in Spain) and Renn are software plus a human adviser: you get a tool, and the paid plans add a gestor or asesor. Taxfix and Renn file your returns for you; Declarando's site says its software prepares the quarterly modelos without filing them.
• Facturaz now sits across both models. The app is the same on every plan; the only difference between Go and Plus is who files your taxes at Hacienda.
• Taxfix outside Spain (Germany, the UK) is a consumer income-tax app, not invoicing software at all. Here we only look at its Spanish autónomo product (formerly TaxScouts).

We scored each on the things that actually matter for a Spanish freelancer: how much of the bookkeeping runs on its own, who files your taxes, AI features, Verifactu and AEAT coverage, the mobile app, pricing, and independent reviews.

Comparison table

Prices and features verified on each vendor's website on October 20, 2026. See the pricing section for detail.

What each tool is

Facturaz

Facturaz is cloud invoicing, bookkeeping and tax software for autónomos and SLs in Spain, available fully in Spanish and English. Its pitch is that your books stay up to date as you go: invoices, receipts and bank movements flow in and get matched on their own, every quarterly and annual modelo is worked out from those numbers, and GestorIA, an AI assistant, answers questions about your own books in plain language. Since its October 2026 pricing it comes in two flavors, Go (you file, with the hard part done) and Plus (Facturaz's team files for you). It's a young product: Facturaz, S.L. is based in Valencia and was registered in 2025. It trades a long track record for a modern, automation-first experience.

Holded

Holded is an all-in-one cloud ERP for SMEs and autónomos, combining invoicing, accounting, CRM, projects, inventory and payroll in one platform. Owned by the Norwegian Visma group, it's the most established tool here, with the largest independent review base. It's designed to be used without an asesor, though it also runs a big partner program for gestorías. The trade-off: it's broader (and heavier) than a solo freelancer usually needs.

Declarando

Declarando is "software with tax advice for autónomos," a hybrid of a self-service tool and an online asesoría. Also part of Visma, its core promise is tax saving (it claims users save an average of €4,000/year), backed by a deductions recommender, a patented algorithm that predicts your yearly income and recommended cuota, and unusual guarantees (it pays your fine if its invoicing causes one). It's built for autónomos only, not for limited companies.

Taxfix

Taxfix in Spain (formerly TaxScouts) is an online gestoría for autónomos and SLs that bundles its own invoicing software with a dedicated human adviser who files your taxes. It explicitly markets itself as "100% online y 100% humano," the opposite of an AI-first pitch. Taxfix's German and UK products are consumer income-tax apps, a different category entirely; only the Spanish autónomo product is comparable here.

Renn

Renn ("Self-Driving Finance. Built for Tax Savings.") is a Barcelona startup that bundles invoicing, AI-assisted bookkeeping and a human gestor, aimed at autónomos and small companies. It's bilingual, so it's popular with English-speaking expats setting up as autónomo in Spain. Its AI role is deliberately modest ("AI handles the work, humans check it"), and it offers a genuine free tier.

Ease of use and onboarding

Facturaz is built for people who have never used accounting software: you add an invoice or a receipt and it does the bookkeeping behind it. Both plans start with a 14-day free trial with the whole app included (a card is saved, nothing is charged until the trial ends). The onboarding also covers the parts new freelancers dread: Facturaz can register you as an autónomo with Hacienda and Social Security (€49 + IVA, once), set up an SL (€449 + IVA), and get you a digital certificate fully remotely in about a day (€84 + IVA). Switching from a gestor or spreadsheets is handled by an AI import that reads your past invoices and creates drafts and contacts.

Holded is also genuinely easy for a business tool ("first invoice in under nine minutes" is its own claim), but it's a bigger surface area, so there's more to learn than a solo autónomo needs. Declarando, Taxfix and Renn reduce the learning curve a different way: they give you a person. That's reassuring, but it also means the experience depends on the quality of the adviser you're assigned, and for Taxfix and Declarando, review complaints about variable adviser quality are a recurring theme (more below).

Facturaz keeps the product simple in a way the all-in-one suites don't: extra modules are optional apps you switch on in Settings, so a freelancer who only invoices never sees a till or a booking calendar. More on those apps below.

Bookkeeping that runs itself: bank sync, matching and email

Every tool here except Taxfix now offers some form of bank connection, so the difference is in how far the automation goes. This is where Facturaz goes furthest, and it's the main reason it tops this comparison.

Bank sync. Facturaz connects to your bank through Powens, an authorized payment institution supervised in Europe. Its site names Santander, BBVA, CaixaBank, Sabadell, Bankinter and ING, plus the neobanks freelancers use most, such as Revolut, N26 and Wise; for any bank not covered you can upload a Norma 43 or CSV statement and reconcile the same way. Access is read-only: you sign in on your bank's own page and Facturaz only receives movements. Bank connection and reconciliation are included in every plan at no extra cost.

Automatic matching. Every movement gets a likely invoice or expense, scored on amount, date and name, and you confirm suggestions one by one or all at once. When an incoming payment matches an invoice exactly (right amount, plus the client or invoice number in the transfer), Facturaz marks the invoice as paid for you, on the date the money moved. Everything else stays a suggestion until you confirm it, and any match can be undone.

Missing receipts found in your email. You can connect your email account and, for each bank charge without a receipt, Facturaz searches your inbox for the invoice behind it. Its interface shows each open charge as "Receipt found," "Searching your email" or "Requested from supplier." Combined with bank sync and AI receipt reading, that closes the loop that usually makes bookkeeping manual: the money moves, the bank movement arrives, and the matching document is found without you hunting for it. Only two tools in this comparison read your inbox for you: Facturaz and Renn, which captures expenses from Gmail on every plan and alerts you to missing ones. Holded offers a forwarding address for receipts, which still relies on you sending them in, and Declarando and Taxfix have no email capture.

Receipts. Snap a photo, forward an email to your personal Facturaz address, or drop in a PDF, and the AI reads supplier, date, base and IVA. It remembers the category you usually give a supplier, flags duplicates, shows a confidence score per receipt, and spreads equipment over €300 across its useful life following Hacienda's tables.

The other tools cover parts of this. Holded connects to more than 200 banks with AI matching suggestions, but only one bank on its €15 Plus plan. Declarando connects your bank on its Pro and Premium plans. Taxfix imports bank movements from its Pro pack up. Renn combines unlimited bank connections, invoice matching and Gmail capture, with its gestores checking the result. Facturaz is the one that documents the full chain on every plan: bank sync, automatic matching, and a search of your own inbox for the document behind each unmatched charge.

AI features: GestorIA

• Facturaz built AI into the core. GestorIA answers plain-language questions from your own invoices, expenses and taxes ("Who owes me money?", "How much IVA do I owe this quarter?", "Can I deduct my new laptop?"), draws charts from your live numbers, and explains a Hacienda borrador you attach as a PDF. It replies in the language you write in, and chats stay private: Facturaz states they are never shared or used for training. Before you file, an audit runs more than 30 checks on your invoices, expenses and contacts, such as overdue invoices or expenses without a receipt. Facturaz itself notes the honest caveat that AI cannot give professional tax advice.
• Renn uses AI more narrowly: extracting invoice data, categorizing expenses and flagging deductions you haven't claimed, explicitly with a human checking the output.
• Declarando offers 24/7 AI-powered support chat "trained by tax experts," but the actual tax work is done by humans.
• Taxfix deliberately doesn't lead with AI at all; its pitch is human advisers.
• Holded advertises "AI Accounting" and an unlimited receipt scanner, but the depth of its AI beyond scanning wasn't clearly documented on its site.

Who files your taxes?

This used to be a clean fork: software you run yourself, or a service with a person. Facturaz has removed the fork.

• Facturaz: your choice, per business. On Go, every modelo is worked out from your books, with the official file ready to download and a guide that shows you where to click at Hacienda. On Plus, Facturaz works as your online gestoría: you approve the figures and its team files them in your name, then saves the AEAT receipt in your documents. Personal questions get an answer within 24 hours, according to Facturaz. Plus covers IRPF and withholdings (130, 111, 115, 180, 190), IVA (303, 390, 347), intra-community (349) and the Renta (100) for autónomos; for SLs it covers the Impuesto sobre Sociedades (200, 202), and Empresa Plus also legalizes the books and files the annual accounts (external costs of €20 and €67 are billed separately). Facturaz states it holds a collaboration agreement with the Agencia Tributaria that lets it file in your name, and that it is a member of ASOCIAE, the Spanish association of tax and labor advisers. You can move from Go to Plus at any time.
• Holded: you file. With your own digital certificate you can submit models such as 303, 130, 111, 200 and 390 from inside Holded, but there's no done-for-you filing service; it refers you to partner gestorías.
• Taxfix and Renn: a gestor files. Taxfix's adviser files your quarterly and annual returns on every pack (you approve each one), and Renn's gestores file on its Autopilot plans. That's worth paying for if your situation is complex or you want a named person to talk to.
• Declarando: you file the quarterlies. Its site states that the software "genera tus modelos fiscales automáticamente, pero no los presenta por ti". Its "con impuestos" plans add adviser support and, depending on the plan, the Renta.

On price, done-for-you filing sits in a similar band across the three that offer it: Taxfix from €39.90/month (€33.25 on an annual plan), Renn from €40/month on annual billing (€50 monthly), and Facturaz Plus at €44/month (with two months free on yearly billing). What sets Facturaz apart is what comes with it: the same automated bookkeeping, GestorIA and free apps as on Go, and the option to drop back to self-service. Unlike Taxfix, Facturaz doesn't assign you one named adviser: its gestoría team files based on figures you approve, and answers personal questions within 24 hours.

Verifactu and AEAT compliance

Verifactu is Spain's anti-fraud invoicing standard. Real Decreto-ley 15/2025 set two dates: 1 January 2027 for companies and 1 July 2027 for autónomos taxed under IRPF. All five state that their invoicing is Verifactu compliant:

• Facturaz gives every invoice its tax record and QR code from the first one, publishes a formal conformity declaration under RD 1007/2023, and lets you decide when to switch Verifactu on. It states it holds a collaboration agreement with the AEAT. It also has a signed Declaration of Conformity with the Spanish National Security Framework (ENS, basic category) and hosts all data in the EU.
• Holded is registered as an AEAT colaborador social and submits invoices automatically, receiving a QR code and VFAC identifier back.
• Declarando includes Verifactu in every plan, sells a standalone "Verifactu Plus," and advertises ISO 27001 certification as a security USP.
• Taxfix (ES) states its invoicing software is "compatible con Verifactu" and that it is a colaborador social of the AEAT.
• Renn says its invoicing is Verifactu compliant and lists itself among AEAT-recognized tools.

One honest note for all five: Verifactu support is a vendor self-declaration. That's exactly what the law requires (there is no separate government "Verifactu certificate"), but it does mean you're trusting the vendor's statement rather than an external audit.

Free apps: bookings, signed quotes, checkout and recurring billing

Facturaz keeps the core app focused on invoices, expenses and taxes, and puts everything else in optional apps you switch on in Settings. They come with every plan at no extra cost, and they all write into the same books, so a sale in any of them is already in your IVA.

• Bookings. Clients book appointments and group classes on your own booking page (one link for Instagram, Google or WhatsApp), with a column per team member, deposits or full payment online, packs and memberships, no-show fees and email reminders. When you take payment, the Verifactu invoice is created from the booking. Facturaz takes no cut of bookings; card payments run through your own Stripe account at Stripe's normal fee.
• Quotes with e-signature. Your client draws a signature online from the email and confirms it with a one-time code, no account needed. Facturaz keeps a timestamped audit trail and a SHA-256 fingerprint of the signed PDF (an electronic signature under eIDAS), and an accepted quote becomes an invoice in one click.
• Recurring billing. Recurring invoices go out on their own weekly, monthly, quarterly or yearly. Memberships sold through Bookings renew and are charged by card automatically, and Stripe subscription renewals become Verifactu invoices on their own through the Stripe integration.
• Checkout and Projects. A point-of-sale till that works with Stripe card readers, and time tracking that turns logged hours into invoices.

Holded covers some of this ground as part of a larger ERP: one-click online quote acceptance, a meeting scheduler in its CRM, and recurring invoices with SEPA direct debit through GoCardless (recurring invoices start on its Básico plan). We found no booking, e-signature or point-of-sale modules at Declarando, Taxfix or Renn. For a salon, studio or therapist, Facturaz is the only tool here where bookings, payment and Verifactu invoicing live in one product.

Mobile apps

• Holded, Declarando, Taxfix all ship both iOS and Android apps. Holded's app scores lower than its web product (around 3.6/5 on Google Play) with complaints about sync and missing features. Declarando's Android app rating is notably poor (1.5/5 from a small number of reviews).
• Facturaz ships a native iPhone app (iOS 17 or later): scan receipts, send invoices and ask GestorIA from your phone, with the same data as the web version. There's no native Android app yet; Facturaz says one is coming soon, and until then Android users work in the web app in the browser. Tip from Facturaz itself: subscribing on the website is cheaper than through the App Store, where Apple adds its commission.
• Renn is web-based with WhatsApp rather than a native app.

Pricing

Amounts exclude IVA. All prices verified on October 20, 2026. Several plans show annual-commitment pricing, with monthly billing higher.

Reading this fairly: Holded is cheapest among paid entry plans, but its €15 Plus plan connects one bank and has no recurring invoices, and its full feature set costs €59 to €199. Renn is genuinely free to start. Facturaz has the simplest structure: the full product on every plan, with the price depending only on whether you or Facturaz files your taxes. Compared like for like, Facturaz Go (€24) costs less than Declarando's software-only plan (€29.90) and Holded's Básico (€29), and Facturaz Plus (€44) sits alongside Taxfix and Renn for done-for-you filing while including the full automation layer.

Pricing verified on October 20, 2026.

What real users say

A fair warning: review depth varies enormously across these five, and that itself is a signal.

• Holded has the deepest history: Capterra 4.6/5 (348 reviews), G2 4.3/5, and Trustpilot around 4.0/5 across thousands of reviews. Praise centers on the intuitive, all-in-one interface; the most consistent criticism is support (one Capterra reviewer, a retail CEO, describes it as slow and chat-only), and some accountants find the tax module "basic and rigid." (Capterra)
• Declarando sits around 4.0/5 on Trustpilot (~3,700 reviews) but is openly polarized: roughly two-thirds five-star praise for the personal adviser, and a meaningful minority of one-star reviews citing technical errors and services "only available in higher plans." Its Google Play app rating is a weak 1.5/5. (Trustpilot)
• Taxfix (ES) runs roughly 3.8 to 4.2/5 on Trustpilot (~772 reviews) on a merged Taxfix/TaxScouts profile. Reviews praise friendly, professional advisers but repeatedly flag that quality depends on the specific gestor you're assigned, and there are serious individual complaints (including an OCU consumer complaint alleging a costly filing error). (Trustpilot ES)
• Renn has very few independent reviews: a small Trustpilot presence (around 4 stars) and little else. Early feedback is positive (ease of use, responsive support, "about half of what I paid my traditional accountant"), but there isn't enough of it yet to be conclusive.
• Facturaz is new, so its review base is small, but so far it's unanimous: 7 reviews on Trustpilot, all five stars (TrustScore 4.2, which Trustpilot keeps conservative for profiles with few reviews), plus a 5-star rating on the App Store, as of October 20, 2026. With this few reviews there's no long track record yet, which is worth weighing if proven longevity matters to you. (Trustpilot)

The honest read: Holded is the safe choice on track record; Declarando and Taxfix have scale but mixed experiences; Facturaz has the best ratings so far but from a small base, and Renn has too few reviews to judge.

Pros and cons

Facturaz

The most automated bookkeeping here. Live bank sync with automatic matching on every plan, AI receipt reading, and an email connection that searches your inbox for the invoice behind each unmatched bank charge. You choose who files your taxes: yourself on Go (€24), or Facturaz's team on Plus (€44), in the same app and with the option to switch. GestorIA answers questions from your own books. Free apps for bookings, e-signed quotes, recurring billing and checkout. AEAT collaboration agreement and Verifactu built in. Its first 7 Trustpilot reviews are all five stars. But: it's young, with a small review base, its native app is iPhone-only for now (Android is coming soon; until then, the web app), Plus gives you a gestoría team rather than one named adviser, and it's a small company, a continuity consideration for something as critical as your books.

Holded

True all-in-one (invoicing, accounting, CRM, projects, inventory, payroll) and the strongest review track record (Capterra 4.6/5). AEAT colaborador social with automatic Verifactu submission, and 200+ banks to connect. But: support is the recurring complaint, the mobile app lags the web product, there's no done-for-you filing, the €15 entry plan is limited (one bank, no recurring invoices), and it's more platform than a solo autónomo needs.

Declarando

A human adviser plus real automation, a serious tax-saving focus, and unusual guarantees (anti-penalty and minimum-savings). ISO 27001 as a security signal. But: it's pricier, it doesn't file your quarterly modelos for you, its app rating is poor, reviews are polarized, and it's autónomos-only, with no SLs.

Taxfix (ES)

A complete bundle with a dedicated gestor who files every return, AEAT colaborador social status, no lock-in contract, and strong brand scale. But: service quality varies by adviser (the most common complaint), it's more expensive than self-service SaaS, and it leads with human advisers rather than software or automation.

Renn

A genuinely free tier with real Verifactu invoicing, unlimited bank connections and Gmail expense capture, an AI-plus-human model, bilingual support for expats, and pricing pitched at about half a traditional gestor. But: very thin independent reviews, no native mobile app, and compliance claims that rest largely on its own site, plus the usual early-stage continuity risk.

Verdict by use case

• You want bookkeeping that largely runs itself, with the option to have your taxes filed → Facturaz. Bank movements come in and match on their own, receipts are read by AI or found in your email, every modelo is worked out as you go, and you decide whether you file (Go, €24) or Facturaz acts as your gestoría (Plus, €44). No other tool in this comparison combines that depth of automation with a choice between self-service and done-for-you filing in the same app. Go in clear-eyed about its youth, its small review base and the wait for its Android app.
• You run a salon, studio or appointment-based business → Facturaz. Bookings, payment and Verifactu invoicing in one tool, at no extra cost.
• You want a proven, do-everything business suite → Holded. Especially if you're growing past solo freelancing into inventory, payroll or a sales pipeline.
• You want a named personal adviser → Taxfix or Declarando. Taxfix if you want an adviser who files everything for you; Declarando if tax-saving tools and guarantees matter most and you're fine filing the quarterlies yourself.
• You want to start for free, or you're an English-speaking expat → Renn. (Facturaz is also fully in English, but has no free tier.)

For the reader this comparison is really written for, a Spanish autónomo or small SL that wants its books up to date without the manual work and without overpaying for a gestoría, Facturaz is our overall winner, provided its early-stage status and the wait for a native Android app aren't dealbreakers for you.

If you're still comparing options, browse all our Spanish invoicing software comparisons. For how we research and score tools, and what we do and don't accept from vendors, see our editorial policy. Spotted an outdated price or feature? Tell us via our corrections page.

FAQ

Is Facturaz really Verifactu compliant? Yes. Every invoice gets its tax record and QR code, it publishes a conformity declaration under RD 1007/2023, and it states it holds a collaboration agreement with the AEAT. As with every vendor, Verifactu support is a legal self-declaration rather than an external certificate, which is what the regulation requires.

What is the difference between Facturaz Go and Plus? The app is the same. On Go, Facturaz works out every modelo and you file it yourself with a step-by-step guide. On Plus, you approve the figures and Facturaz's team files them for you, including the Renta for autónomos and the Impuesto sobre Sociedades for SLs.

Can Facturaz really find my missing invoices? Yes, if you connect your email. For each bank charge without a receipt, it searches your inbox for the matching invoice. You can also forward receipts to your own Facturaz email address or photograph them in the app.

Which banks can I connect to Facturaz? Traditional banks such as Santander, BBVA, CaixaBank, Sabadell, Bankinter and ING, and neobanks such as Revolut, N26 and Wise, through Powens. Any other bank works by uploading a Norma 43 or CSV statement.

Which is cheapest? Renn (free tier) to start, then Holded's €15 entry plan, but both come with limits. Facturaz Go at €24 includes the whole app with no limits. For done-for-you filing, Taxfix (from €39.90), Renn (from €40 on annual billing) and Facturaz Plus (€44) are close; Facturaz is the only one of the three where you can switch back to filing yourself in the same app.

Is Taxfix invoicing software or a tax app? Both, depending on the country. In Spain it's a gestoría with its own invoicing software; in Germany and the UK it's a consumer income-tax app. Only the Spanish product is comparable to the others here.

Pricing and features of all five tools verified on their websites on October 20, 2026. Facturaz review counts were checked on October 20, 2026; the other tools' review counts were collected in August 2026. Sources are linked inline. Verify current prices and Verifactu deadlines on each vendor's site before deciding.

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