Quick verdict (TL;DR)

• Best overall for a self-service, AI-forward autónomo — Facturaz. One €24/month plan, the strongest AI layer (chat with your books, proactive cash-flow alerts), Verifactu built in, and a genuine "no gestoría needed" workflow. Caveats: it's very new and iOS-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 human adviser included — Declarando or Taxfix. Both bundle a real asesor into their higher plans and lean on tax-saving guarantees, at a higher monthly price.
• Best free starting point — Renn. A permanent €0 tier with real Verifactu invoicing, plus an optional human accountant over WhatsApp. Very few independent reviews so far.
• Watch-outs: Taxfix and Renn are gestoría-plus-software models, not pure 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.

• Facturaz and Holded are self-service software — you do the work, the software automates it.
• Declarando, Taxfix (in Spain) and Renn are software plus a human adviser: you get a tool, but the paid plans also assign you a gestor or asesor who files your taxes.
• 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: ease of use, AI features, whether you need an accountant, Verifactu and AEAT coverage, the mobile app, pricing, and independent reviews.

Comparison table

Prices verified July 2026 (Facturaz from its May 2026 pricing page; monthly figures for annual-commitment plans where noted). See the pricing section for detail.

What each tool is

Facturaz

Facturaz is cloud invoicing and accounting software for Spanish autónomos and SLs, built around simplicity and Verifactu. It positions itself directly against the traditional gestoría, and its standout is an AI layer most rivals don't have: GestorIA, an assistant you chat with in plain language about your own numbers, plus proactive cash-flow warnings. It's a young product — the company (Facturaz, S.L., in Valencia) was registered in October 2025 and the first stable release shipped in September 2025 — so it trades a long track record for a modern, opinionated 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 programme 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. Note that 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 — and notably 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

This is where Facturaz makes its clearest case. It claims most users send their first invoice within five minutes, and its onboarding handles the parts freelancers dread: it can register you as an autónomo with the AEAT and Social Security, and obtain a digital certificate fully remotely (ready in ~24 hours). The whole product is built around the idea that you don't keep an accountant on retainer.

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 "software" experience matters less than 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).

AI features: Facturaz's real edge

If AI is what you're after, the gap here is real and it favours Facturaz.

• Facturaz built AI into the core. GestorIA answers plain-language questions about your business — "What was my largest invoice?", "Who owes me?", "What's my tax summary for this quarter?" — and it's proactive, warning you when "your cash flow may go negative" around a given date and suggesting you chase overdue invoices. It also scans receipts with AI (extracting supplier, base, IVA and total from a photo) and can break down an AEAT borrador. It's the closest thing here to a lightweight "AI CFO." Facturaz itself notes the honest caveat that "AI may make mistakes — verify important information."
• Renn uses AI more narrowly: extracting invoice data, categorising 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.

For a freelancer who wants software that actively helps rather than just records, Facturaz is the standout — with the honest asterisk that AI advice is a prompt, not a substitute for a professional on a genuinely complex question.

Do you need an accountant?

• No, by design — Facturaz, Holded. Both are built to be run solo. Facturaz goes further in actively coaching you through tax deadlines and cash flow.
• A human is included — Declarando, Taxfix, Renn (paid plans). You get an assigned asesor/gestor who files for you. That's worth paying for if you don't want to touch a Modelo 303 yourself, or if your situation is complex.

There's no universally "right" answer here — it's a genuine fork. Facturaz wins for people who want to stay in control (and save the adviser fee); the other three win for people who'd rather delegate.

Verifactu and AEAT compliance

Verifactu — Spain's anti-fraud invoicing standard under RD 1007/2023 — becomes mandatory for companies and then self-employed users during 2027 (the dates have shifted more than once, so verify the current deadline for your case). All five state that their invoicing is Verifactu compliant:

• Holded goes furthest publicly: it's registered as an AEAT colaborador social and submits invoices automatically, receiving a QR code and VFAC identifier back. It also files models 303, 130, 390 and others directly.
• Facturaz registers every invoice automatically with the AEAT and publishes a formal conformity declaration under RD 1007/2023. Its AEAT model coverage is broad (303, 130, 390, 347, 111, 180, 036 and more).
• Declarando includes Verifactu in every plan, sells a standalone "Verifactu Plus," and — unusually — advertises ISO 27001 certification as a security USP.
• Taxfix (ES) states its invoicing software is "compatible con Verifactu" and calls itself an official AEAT collaborator.
• Renn says its invoicing is Verifactu compliant and lists itself among AEAT-recognised tools.

One honest note for all except Holded: 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.

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 clean, mobile-first iOS app (do your accounting from your phone), but iOS only — no Android app was found at the time of writing, and the app is brand new (a single App Store rating so far). If you're on Android, this is Facturaz's biggest practical gap today.
• Renn is web-based with WhatsApp rather than a native app.

The user pitch "great mobile app" is fair for Facturaz if you're on iPhone; on Android, Holded or Declarando are the realistic choices right now.

Pricing

Verified July 2026. Amounts exclude IVA unless noted; several plans show annual-commitment pricing, with monthly billing higher.

Reading this fairly: Holded looks cheapest at the entry level, but that Plus plan is capped (250 invoices/year, one bank) and add-ons stack up. Renn is genuinely free to start. Facturaz's €24 flat plan is the simplest to reason about — one price, no limits, no per-invoice charges. Declarando and Taxfix cost more because a human adviser is baked in. In other words, the "cheapest" tool depends entirely on whether you're paying for software or for a person.

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 centres 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 polarised — 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 3.8–4.2/5 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 simply isn't enough of it yet to be conclusive.
• Facturaz has almost no independent reviews at all — expected for a product this new (a single 5-star App Store rating). We won't pretend otherwise: there's no meaningful third-party track record to lean on yet, which is a real diligence gap if you want proven longevity.

The honest read: Holded is the safe choice on track record; Declarando and Taxfix have scale but mixed experiences; Renn and Facturaz are promising but unproven.

Pros and cons

Facturaz

The AI layer is genuinely ahead of the field. Chatting with your own books and getting proactive cash-flow alerts is something the human-adviser tools (Declarando, Taxfix, Renn) deliberately don't do, and Holded doesn't match. One transparent price. €24/month, everything included, "free until you invoice" — the easiest pricing here to reason about. Real "no gestoría" onboarding, including remote autónomo registration and digital certificate. But: it's very young and largely unproven, its app is iOS-only (no Android yet), Verifactu is a self-declaration, and it's a small, single-founder 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. But: support is the recurring complaint, the mobile app lags the web product, 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, its app rating is poor, reviews are polarised, and it's autónomos-only — no SLs.

Taxfix (ES)

A complete bundle with a dedicated gestor, 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 AI.

Renn

A genuinely free tier with real Verifactu invoicing, 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 the simplest, most modern self-service experience, and you're on iPhone → Facturaz. For an autónomo who wants software that actively helps — an AI assistant that answers questions about the books and warns about cash flow — at one flat, limit-free price, and who's happy to run things without a gestoría, Facturaz is our top pick. Go in clear-eyed about its youth and its iOS-only app.
• 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 human adviser to file for you → Declarando or Taxfix. Declarando if tax-saving and guarantees matter most; Taxfix if you want a hands-off, adviser-led service and don't mind the premium.
• You want to start for free, or you're an English-speaking expat → Renn.

For the reader this comparison is really written for — a Spanish autónomo who wants ease of use, real AI help, and no accountant on retainer — Facturaz is the clear recommendation, provided its early-stage status and Android gap aren't dealbreakers for you.

FAQ

Is Facturaz really Verifactu compliant? Yes — it publishes a conformity declaration under RD 1007/2023 and registers every invoice automatically with the AEAT. As with most vendors, that's a legal self-declaration rather than an external certificate, which is what the regulation requires.

Can I use Facturaz without an accountant? That's the whole point. It automates invoicing, expenses and AEAT models, and its AI assistant answers tax and cash-flow questions. For genuinely complex or one-off situations, treat the AI as guidance and confirm with a professional.

Which is cheapest? Renn (free tier) to start, then Holded's €7.50 entry plan — but both come with limits or add-ons. Facturaz's €24 flat plan is the simplest all-in price; Declarando and Taxfix cost more because they include a human adviser.

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.

Which has the best mobile experience? On iPhone, Facturaz's new native app is a highlight. On Android, Holded or Declarando, since Facturaz has no Android app yet.

Pricing and features verified in July 2026 (Facturaz's plan from its May 2026 pricing page, as its live site was behind bot protection at the time of writing). Sources are linked inline. This comparison is sponsored by Facturaz; ratings are based on public data and are not influenced by that sponsorship. Verify current prices and Verifactu deadlines on each vendor's site before deciding.

Frequently asked questions