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.

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30-day free trialBuilt 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

30-day free trial for every new user. No hidden fees.

30-day trial

Compass

Tracking and tax obligation management for every sole trader.

3 490Ft/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 tax calculator — from real YTD data, full breakdown
  • Life events log (business type change, children)
Start for free

Navigator

Advisory-level tools for power users.

5 990Ft/hĂł
  • All Compass features
  • Actual + scenario 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
  • Priority support
Hamarosan elĂ©rhetƑ

Cancel anytime. A card is required to start the trial.

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 the 30-day trial ends. A card is required to start the trial, but nothing is charged in the first 30 days. Cancel anytime — no surprise auto-renewals.
What's the difference between Compass and Navigator?
Compass includes all core features: dashboard, invoices, expenses, tax calendar, calculator. Navigator adds scenario calculator, bank sync, notifications and AI advisor — coming soon.

Start today, for free

30-day free trial. After that 3 490 HUF/mo for Compass — cancel anytime.

Register for free