Kontist

Description

Kontist offers something no other German business bank provides: automatic tax calculation and reservation. The platform understands that for German freelancers, one of the biggest financial challenges is setting aside money for quarterly tax payments and the annual Einkommensteuererklärung. When income arrives, Kontist automatically calculates the expected tax obligation—including Einkommensteuer, Umsatzsteuer, and Solidaritätszuschlag—and sets that amount aside in a dedicated tax account. This means you always know your real available balance, not the misleading total that ignores future tax obligations. For freelancers who have experienced the shock of an unexpected tax bill, this feature alone justifies choosing Kontist. The platform integrates with lexoffice and FastBill for accounting, completing the freelancer financial workflow. The free tier provides basic banking and tax calculation, while the premium tier adds features like SEPA bulk transfers and higher transaction limits. Kontist's laser focus on German freelancers means it lacks features for teams or more complex business structures, but for its target audience, it solves the specific problem of tax management better than any alternative.

Features

Best For

Pricing

Pricing Model

freemium

Price Range

€0-12/mo

Available in

Connected Services

Related Integrations

DATEV

Planned

The backbone of German tax advisory. Your Steuerberater likely uses this.

Finom

Available

All-in-one business banking with invoicing and expense management. Strong for freelancers.

FYRST

Available

Deutsche Bank's digital business banking offering. German reliability with modern features.