🇭🇺Designed for Hungarian sole traders

The financial assistant for sole traders

Tax obligations, revenue tracking and deadlines in one place, so you can see where you stand.

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30-day trial or annual billingBuilt for Hungarian sole tradersCancel anytime

penzum.app

Example

FREE BALANCE · MAY

907,870 Ft

Income 1,750,000 Ft − Expenses 842,130 Ft

INCOME

1,750,000 Ft

NEXT DEADLINE

Jul 12

Quarterly payment

Everything a sole trader needs

Penzum handles the calculations and tracks your deadlines, so you can focus on your work.

Tax obligation calendar

Deadlines generated automatically from your tax form. KOMA tracker, quarterly grouping and status tracking, so you don't miss a single deadline.

Revenue tracking

Manual entry, Billingo sync and NAV Online integration. Tax burden calculated from your actual revenue with annual projections.

AAM tracker

Shows how much of the threshold of the VAT exemption for small taxpayers (alanyi adómentesség) you have used, based on the revenue you record in Penzum. Above 70% and 90% it changes colour as a warning.

Tax calculator

Calculate your annual tax for any tax form, using the tax parameters set in Penzum.

Who is Penzum for?

Every sole trader type is different — so are the tax rules.

💼

Part-time sole trader

IT · consulting · freelance

You have a day job and also invoice as a sole trader. No minimum contributions, but flat-rate tax, the AAM limit and quarterly deadlines still apply.

Quarterly income tax advance tracking
AAM limit tracker with early warnings
Billingo and Számlázz.hu sync

🚀

Full-time sole trader

self-employed · freelancer

Your sole trading is your only income. You pay social contributions every month — Penzum calculates, tracks and reminds you of every deadline.

Monthly social contribution calculation
Tax obligation calendar with deadlines
Annual income tax planning from real YTD data

🌿

Retired sole trader

business alongside pension

Simplified rules and no social security contribution, but flat-rate tax and the threshold of the VAT exemption for small taxpayers still apply to you. Penzum calculates with the rules for the retired type.

Retired sole trader-specific tax calculation
AAM limit and flat-rate tax tracking
Annual tax return preparation

How does it work?

Three steps and you can already see your tax burden in real time.

Register

Email address and password — that's it. 30 seconds, no credit card required to register.

5-minute onboarding

Enter your sole trader type, tax form and some personal details — needed for tax benefit calculations.

Everything in one place

Dashboard, tax obligations, calculator: instantly, calculated from the data you enter. No more Excel.

App

Take Penzum with you

Penzum is now available on mobile too — check your deadlines, your revenue, and the Advisor from anywhere.

Open the standalone download page →

KNOWLEDGE & TIPS

What every sole trader should know.

From choosing a tax form to deadlines — short, practical articles worth reading even if you're not a Penzum user yet.

INVOICING

NAV Online Invoice and E-Invoicing: What You Need to Know in 2026

NAV finds out about every invoice you issue in real time — if you don't use online invoicing software, this applies to you too. Here's how the data reporting obligation works.

Company Car Tax: When Is It Relevant for a Sole Trader?

If a vehicle is registered in your business's name (or you claim it as a business expense), you may owe company car tax. Here's when it becomes relevant.

Individual Company or Sole Trader? The Key Differences Between the Two Forms

An individual company (Eic.) and a sole proprietorship are often confused, but they're legally and tax-wise different forms. When is it worth considering the switch?

Transparent pricing

One subscription, every feature — no plan to choose. 30-day trial with card, first payment only after the trial. Or choose annual billing right away, 2 months free.

30-day free trial

Penzum subscription

Every feature, one price — from tracking to AI advice.

9990Ft/hó

Dashboard — revenue, expenses, tax and free balance in one place
Online invoicing sync (Billingo, Számlázz.hu and others)
Expense tracking by category (with receipt photo)
Tax obligation calendar
AAM tracker with early warnings
Actual + scenario tax calculator — toggle between both modes
Form guidance per obligation and life event
Email and push notifications (deadline −7 and −1 days)
NAV Online invoice sync
Bank sync
CSV bank statement import
AI advisor
PDF export — tax summary and reports

Start subscription

A card is required for the 30-day trial — first payment only after the trial. Annual billing is charged immediately, with 2 months free. Cancel anytime.

Frequently asked questions

Do I still need an accountant with Penzum?

Not necessarily. Penzum calculates your estimated taxes and tracks your deadlines, but you submit your returns yourself on the NAV portal. If you have an accountant, your exported reports help you back up your data in an orderly way.

Is my data secure?

We don't sell your data and we don't pass it on to third parties for advertising. You can read where and how we store it in our privacy notice. You can delete your account at any time.

When do I have to pay?

After registering, choose a billing cycle: a 30-day trial with card (first payment only after the trial ends), or immediate annual billing with 2 months free. Cancel anytime.

Why isn't there more than one plan?

Penzum is a single, all-inclusive subscription — no restricted tiers, no guessing which plan fits you. Every feature is available from day one.

Start today

30-day trial with card, or immediate annual billing — first payment after the trial, or 2 months free annually.

Get started free