Swiss accounting software: 28 solutions compared (2026)

Name: Swiss accounting software — comparison
Creator: Stefan Bernhard
Published: 2026-08

Ledger, VAT and year-end close — the core of every back office.

As of August 2026

28 accounting programs for Swiss businesses compared (2026)

CriteriaFree tier 7 Payroll (Swissdec) 13 FR/IT interface 14

Swiss specifics

What is different in Switzerland

Accounting

The Swiss market imposes requirements that an international solution usually lacks — it is built for other legal systems. Buy from abroad and you notice at the year-end close, in the VAT filing or with the first payroll declaration. These are the points that decide in this category:

VAT 8.1 / 2.6 / 3.8 %The software has to carry all three Swiss rates — standard, reduced and the special rate for accommodation — and assign them correctly on documents and in the filing. Foreign programs often know only one rate per country.
Swiss SME chart of accountsThe Swiss SME chart of accounts is the national standard and the basis of every year-end close. Without it as a template you set it up by hand — and your fiduciary can no longer find their way around the accounts.
Flat-rate VAT methodBelow the turnover threshold you may file using a flat-rate net tax rate instead of the effective method. Not every solution handles both equally well; test it before switching.
QR-billMandatory standard since the payment slip was retired. Check both directions: issuing invoices with a QR code and reading incoming QR documents — the second is missing more often.
Data locationSwiss data centres are not a legal requirement, but often a procurement criterion – especially for personal data and public-sector contracts.
Accountant accessThe decisive soft factor: can your accounting firm work in the system directly? Ask them first which two or three systems they use every day.
Ten-year retentionThe Swiss Code of Obligations requires ten years of audit-proof retention – including readability. Clarify what happens to your data after you cancel.
Export and exitBefore signing up, check what an export looks like (entries, documents, master data). A solution without a usable export is a one-way street.

Or not do the books at all — 4 providers who keep the books for you on a subscription

Comparison of 28 solutions in Accounting, data from vendor sources with check date. As of August 2026. Surveyed and verified by Stefan Bernhard.
Criterion	Cloud all-rounder for small firmsDetails	Cheap, offline, association standardDetails	Free entry with ecosystemDetails	Microsoft ERP with Swiss localisationDetails	Club management with a cash bookDetails	Invoicing with some bookkeepingDetails	Free platform with Abacus coreDetails	Complete package at a small priceDetails	Modular Swiss cloud kitDetails	Solo accounting on the phoneDetails	Cheapest Swiss cloud ledgerDetails	Minimalism for the self-employedDetails	ERP heavyweight, strongest payrollDetails	SAP for the mid-marketDetails	Affordable, strong payroll moduleDetails	Proven classic, installed locallyDetails	Open source, enormous scopeDetails	Swiss ERP for the upper mid-marketDetails	SME ERP for trades and retailDetails	Customisable mid-market ERPDetails	Automated, through your accountantDetails	Merchandise management for tradeDetails	Lean cloud bookkeeping, open APIDetails	Modular Swiss software, cloud or localDetails	Cloud ERP with very broad scopeDetails	Ledger with securities and payrollDetails	Accounting depth for professionalsDetails	Buy instead of rent, purely localDetails
Cost & onboarding
List priceas stated by the vendorbars: 0 to CHF 119	CHF 35–119	free–CHF 15	from CHF 26	CHF 65–89	free–CHF 41	free–CHF 45	free–CHF 49	CHF 64	CHF 45–55	free–CHF 39	CHF 5–7	CHF 25–50	via partner only	via partner only	in calculator only	via partner only	no prices in francs	on request	via partner only	via partner only	via partner only	via partner only	in calculator only	on request	via partner only	on request	via partner only	purchase price only
Pricing model	Subscription	Subscription or licence	Subscription	Subscription	Subscription	Subscription	Subscription	Subscription or licence	Subscription	Subscription	Subscription	Subscription	via partner	via partner	Subscription or licence	Subscription or licence	Subscription	Subscription or licence	via partner	via partner	via partner	Subscription or licence	Subscription	Subscription or licence	via partner	Subscription or licence	via partner	Licence
Getting started	self-service	self-service	self-service	partner/project needed	self-service	self-service	self-service	self-service	self-service	self-service	self-service	self-service	partner/project needed	partner/project needed	self-service	partner/project needed	partner/project needed	partner/project needed	partner/project needed	partner/project needed	partner/project needed	partner/project needed	self-service	self-service	partner/project needed	partner/project needed	partner/project needed	self-service
Deployment	Cloud	Desktop/Server + Cloud	Cloud	Cloud + Desktop/Server	Cloud	Cloud	Cloud	Desktop/Server + hosted	Cloud	Cloud	Cloud	Cloud	Cloud + Desktop/Server	Cloud + Desktop/Server	Desktop/Server + hosted	Desktop/Server + hosted	Cloud + Desktop/Server	Cloud + Desktop/Server	Desktop/Server + hosted	Desktop/Server + hosted	Cloud	Desktop/Server + Cloud	Cloud	Cloud + Desktop/Server	Cloud	Cloud + Desktop/Server	Desktop/Server + hosted	Desktop/Server
Free version	–	✓	–	–	✓	✓	✓	–	–	✓	–	–	–	–	–	–	✓	–	–	–	–	–	✓	–	–	–	–	–
Payroll, VAT & law
Payroll (Swissdec)	✓	~ limited	✓	~ limited	–	–	✓	✓	~ limited	–	–	–	✓	–	✓	✓	~ limited	–	✓	✓	✓	–	~ limited	~ limited	✓	✓	✓	–
Swiss VAT filing	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Multiple currencies	✓	✓	–	✓	✓	✓	–	✓	–	–	–	–	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	–
Data location	Switzerland	Switzerland	Switzerland	Switzerland/EU	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland/EU	Switzerland	Switzerland	EU	Switzerland	Switzerland	Switzerland/EU	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland	Switzerland
Payments
QR-bill	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Bank reconciliation (camt)	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Scope & extensions
Orders & inventory	~ basic	~ basic	~ basic	✓	–	~ basic	~ basic	✓	~ basic	–	–	–	✓	✓	~ basic	✓	✓	✓	✓	✓	–	✓	~ basic	✓	✓	~ basic	~ basic	~ basic
Open API	✓	–	✓	✓	–	✓	✓	✓	✓	–	–	–	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓	–
Mobile app	✓	✓	✓	✓	–	✓	✓	–	✓	✓	–	✓	✓	✓	–	–	✓	✓	✓	–	✓	✓	–	–	–	–	–	–
Works offline	–	✓	–	✓	–	–	–	✓	–	–	–	–	✓	✓	✓	✓	✓	✓	✓	✓	–	✓	–	✓	–	✓	✓	✓
Collaboration & vendor
Adoption among accountants	high	medium	medium	low	low	medium	medium	medium	medium	low	low	medium	high	low	high	high	low	low	medium	medium	high	medium	medium	medium	medium	high	high	low
Languages	DE · FR · IT · EN	DE · FR · IT · EN	DE · FR · IT	DE · FR · IT · EN	DE	DE · FR · IT · EN	DE · FR · IT	DE · FR · IT	DE · FR · EN	DE · FR · EN	DE	DE · FR · IT · EN	DE · FR · IT · EN	DE · FR · IT · EN	DE · FR · IT	DE · FR · IT	DE · FR · IT · EN	DE · FR · EN	DE · FR	DE · FR	DE · FR · EN	DE	DE · FR · IT · EN	DE	DE · FR · EN	DE	DE · FR · EN	DE
Vendor	bexio AG (Mobiliar Group)	Banana.ch SA	ePost Service AG (Swiss Post)	Microsoft (with Swiss partners)	reeweb ag	smallinvoice AG	Swiss21.org AG (Abacus, Glarotech, SmartWe)	FIDUCIAL WINBIZ SA	Atlanto AG	Magic Heidi	Pfeffersack	Milkee SA	Abacus Research AG	SAP (with Swiss partners)	Epsitec SA	Infoniqa Schweiz AG (formerly Sage Switzerland)	Odoo SA (with Swiss partners)	Opacc Software AG	Forterro Schweiz Proffix AG	SelectLine Software AG (Swiss edition)	Accounto AG	blue office ag	CashCtrl GmbH	Comatic AG	Forterro Schweiz AG	pebe AG	Topal Solutions AG	ShakeHands Software Ltd
Headquarters	Rapperswil-Jona SG	Lugano TI	St. Gallen	USA	Basel	Zug	St. Gallen	Sierre VS	St. Gallen	Switzerland	Switzerland	Switzerland	Wittenbach SG	Germany	Yverdon-les-Bains VD	Root LU	Belgium	Rothenburg LU	Wangs SG	Switzerland	Zürich	Hochdorf LU	Switzerland	Sursee LU	Altendorf SZ	Frauenfeld TG	Nidau BE	Switzerland
Vendor website	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗	open ↗

Surveyed and verified by: Stefan Bernhard · Method

Swiss accounting software: 28 solutions compared (2026)

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28 accounting programs for Swiss businesses compared (2026)