Penzum
🇭đŸ‡șDesigned for Hungarian sole traders

The financial assistant for sole traders

Tax obligations, revenue tracking, deadlines — all in one place. No accountant needed to always have a clear picture of your finances.

Get started freeI already have an account
30-day trial or annual billingBuilt for Hungarian sole tradersCancel anytime
app.penzum.hu/cockpit
P

SZABAD EGYENLEG · MÁJUS

907 870 Ft

BevĂ©tel 1 750 000 Ft − KiadĂĄs 842 130 Ft

BEVÉTEL

1 750 000 Ft

NAV ÁLLAPOT

Rendben

Nincs teendƑ

Everything a sole trader needs

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

Tax obligation calendar

Automatically generated deadlines based on your tax form. KOMA tracker, quarterly grouping, status tracking — never miss a deadline.

Revenue tracking

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

AAM tracker

Tracks usage of the flat-rate tax exemption limit. Early warning at 70% and 90% so it never catches you off guard.

Tax calculator

Calculate your annual tax burden for any tax form. Interactive, with real parameters, from 2022 to the present.

Who is Penzum for?

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

đŸ’Œ

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 SzĂĄmlĂĄzz.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, no social contribution obligation — but flat-rate tax and the AAM limit still apply. Penzum handles exceptions automatically.

  • 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.

1

Register

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

2

5-minute onboarding

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

3

Everything in one place

Dashboard, tax obligations, calculator — immediately, calculated from real data. No Excel, no guesswork.

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/hĂł
  • Dashboard — revenue, expenses, tax and free balance in one place
  • Online invoicing sync (Billingo, SzĂĄmlĂĄzz.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 (EnableBanking)
  • 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 handles the calculations and tracks deadlines, but you still need to submit declarations yourself (NAV ENYA, eSZJA). If you have an accountant, your data gives you precise backup documentation.
Is my data secure?
Yes. Your data is encrypted and stored on EU infrastructure. We never share it with third parties or use it for advertising. GDPR-compliant — exportable or deletable 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