# KontoMatch

> KontoMatch is an AI-powered invoice and bank reconciliation platform for freelancers, solopreneurs, and small businesses operating in Germany, Austria, and Switzerland. It automatically reads and extracts data from uploaded invoices using OCR and GPT-4, matches bank transactions against expenses and income documents, exports records in DATEV EXTF format for Steuerberater handoff, and provides real-time financial dashboards. GoBD-compliant. Available in English and German. SaaS, subscription-based, free plan available.

## What KontoMatch does

- Automatically reads and extracts data from uploaded invoices and income documents using Google Cloud Document AI (OCR) and GPT-4 — vendor, date, amount, tax, line items, IBAN, and invoice number
- Matches bank statement transactions against invoices and income records with AI-powered reconciliation scoring
- Flags uncertain matches for manual review with one-click confirm or reject flow
- Exports processed records as DATEV EXTF files for direct import by German Steuerberater
- Tracks expenses and revenue by category using SKR03 / SKR04 charts of accounts
- Multi-currency support with ECB-sourced exchange rates (EUR, USD, GBP, CHF)
- Detects multiple invoices within a single uploaded PDF
- Accepts bank statements in MT940, CAMT.053, CSV, and PDF formats
- GoBD-compliant — documents stored in original format, immutable audit trail, 10-year retention
- GDPR compliant — data stored on EU-based servers, never shared with third parties

## Who it is for

- Freelancers (Freiberufler) and solopreneurs who want to manage invoices without a dedicated accountant
- Small business owners who need to reconcile bank statements against expenses automatically
- Businesses operating in Germany, Austria, or Switzerland who need DATEV-compatible exports for their Steuerberater or Treuhänder
- Anyone replacing manual bookkeeping or Excel-based expense tracking with an automated, GoBD-compliant solution

## Pricing

- Free plan: try it without commitment
- Pay-as-you-go: €3 per matching run
- Starter: €5/month for monthly bookkeeping
- Pro: €12/month for active businesses

## Core links

- [Homepage](https://kontomatch.com/)
- [How It Works](https://kontomatch.com/how-it-works)
- [Pricing](https://kontomatch.com/pricing)
- [Security](https://kontomatch.com/security)
- [FAQ](https://kontomatch.com/faq)
- [Articles index](https://kontomatch.com/articles)
- [About](https://kontomatch.com/about)
- [Contact](https://kontomatch.com/contact)

## Articles

### Germany & General
- [Bank Reconciliation: A Complete Guide for Small Businesses](https://kontomatch.com/articles/bank-reconciliation-complete-guide-for-smbs): Bank reconciliation catches errors before they become expensive problems. This guide walks through the process, common pitfalls, and how automation changes everything.
- [Business Bank Account for Freelancers in Germany: Do You Actually Need One?](https://kontomatch.com/articles/freelancer-business-bank-account-germany): Many German freelancers run everything through their personal account. Here's why that's a problem and which business accounts are worth it.
- [DATEV Unternehmen Online vs. EXTF Export: Which Approach Is Right for You?](https://kontomatch.com/articles/datev-unternehmen-online-vs-extf-export): Two ways to get your records into DATEV: direct cloud connection or file export. Here's the honest comparison.
- [Expense Management Best Practices for Freelancers in Germany](https://kontomatch.com/articles/expense-management-best-practices-freelancers): German tax law gives freelancers generous deductions, if you track expenses properly. Here's how to build a system that survives an audit.
- [Freelancer vs. Trade Business Owner: Tax Differences That Actually Matter](https://kontomatch.com/articles/freiberufler-vs-gewerbetreibender-tax-differences): The distinction between a freelancer and a trade business owner affects your taxes, your obligations, and how you register your business. Here's what you need to know.
- [German Tax Calendar: Key Deadlines for Freelancers and Small Businesses](https://kontomatch.com/articles/german-tax-calendar-freelancers): Missing a German tax deadline triggers automatic penalties. Here are the dates that matter and what happens if you miss them.
- [Germany's E-Invoicing Mandate 2025-2028: What Every Business Needs to Know](https://kontomatch.com/articles/germany-e-invoicing-mandate-2025-2028): Germany has mandated electronic invoicing for all B2B transactions. Here's what's required, who it affects, and how to prepare for the 2027 and 2028 deadlines.
- [Germany's Small Business VAT Exemption: When It Saves You Money and When It Doesn't](https://kontomatch.com/articles/kleinunternehmerregelung-explained): The small business VAT exemption sounds appealing. But it's not right for everyone. Here's how to decide.
- [How AI is Transforming Invoice Processing](https://kontomatch.com/articles/how-ai-is-transforming-invoice-processing): Manual invoice processing costs businesses 15-40 EUR per invoice. AI brings that down to nearly zero, and it's getting better every month.
- [How to Digitize Paper Receipts and Store Them Correctly](https://kontomatch.com/articles/how-to-digitize-receipts-gobd-compliant): Going paperless only works if you do it correctly. Here's the exact process for scanning, storing, and retiring paper receipts in a legally sound way.
- [How to Handle a Tax Audit (Betriebsprüfung) in Germany](https://kontomatch.com/articles/how-to-handle-betriebspruefung-tax-audit-germany): A tax audit (Betriebsprüfung) in Germany doesn't have to be a disaster. Here's what triggers them, what auditors look for, and how clean records make them manageable.
- [How to Match Invoices with Bank Statements Automatically](https://kontomatch.com/articles/how-to-match-invoices-with-bank-statements-automatically): Matching receipts to bank transactions manually takes hours every month. Here's how AI-powered reconciliation works and how to set it up.
- [How to Send Your Books to Your Steuerberater Digitally](https://kontomatch.com/articles/how-to-send-books-to-steuerberater-digitally): The shoebox of receipts era is over. Here's how to hand off clean, digital records to your tax advisor, and what format they actually want.
- [How to Track Business Expenses Without an Accountant](https://kontomatch.com/articles/track-business-expenses-without-accountant): You don't need a full-time accountant to keep clean books. Here's a practical system for freelancers and small businesses that keeps the tax office (Finanzamt) happy.
- [Replace Manual Bookkeeping with AI: A Practical Guide](https://kontomatch.com/articles/replace-manual-bookkeeping-with-ai): Most small businesses are still doing bookkeeping the hard way. Here's what switching to AI-assisted bookkeeping actually looks like.
- [SKR03 Expense Categories Explained: A Freelancer's Reference](https://kontomatch.com/articles/skr03-expense-categories-freelancer-guide): The German SKR03 chart of accounts can be overwhelming. Here are the categories most freelancers actually use, explained in plain language.
- [Understanding German Tax Compliance: GoBD Explained](https://kontomatch.com/articles/understanding-german-tax-compliance-gobd): GoBD compliance isn't optional for German businesses. This guide breaks down what it means, what the tax office (Finanzamt) looks for, and how to stay on the right side of it.
- [What is DATEV and Why Your Business Needs It](https://kontomatch.com/articles/what-is-datev-and-why-your-business-needs-it): DATEV is the backbone of German accounting. If you run a business in Germany, chances are your tax advisor (Steuerberater) already uses it. Here's what you need to know.
- [What Is ZUGFeRD and How Is It Different from XRechnung?](https://kontomatch.com/articles/what-is-zugferd-vs-xrechnung): Both ZUGFeRD and XRechnung are accepted e-invoice formats in Germany. But they work very differently. Here's which one you should be using.
- [What Must Be on a German Invoice: Legal Requirements (Pflichtangaben) Explained](https://kontomatch.com/articles/german-invoice-legal-requirements-pflichtangaben): A German invoice missing required fields can be rejected by the tax office (Finanzamt) and cost you the VAT deduction. Here's the complete checklist.
- [When Do You Actually Need a Tax Advisor (Steuerberater)?](https://kontomatch.com/articles/when-do-you-need-a-steuerberater): Not every freelancer needs a full-service tax advisor (Steuerberater). But there are specific situations where not having one is a real financial risk.
- [Year-End Bookkeeping Checklist for German Small Businesses](https://kontomatch.com/articles/year-end-bookkeeping-checklist-germany): The steps to close your books cleanly at year end, prepare records for your Steuerberater, and avoid the most common mistakes that delay your tax filing.
- [Excel Expense Tracking vs. Automated Software: A Realistic Comparison](https://kontomatch.com/articles/excel-vs-automated-expense-tracking): Excel works until it doesn't. Here's an honest comparison of spreadsheet-based expense tracking versus AI-powered automation for German small businesses.
- [How AI Reads and Extracts Data from Invoices](https://kontomatch.com/articles/how-ai-reads-and-extracts-invoice-data): OCR plus large language models makes invoice data extraction reliable enough to trust. Here's what's actually happening when you upload a document.
- [How to Handle Reverse Charge VAT on EU Invoices](https://kontomatch.com/articles/reverse-charge-vat-eu-invoices-germany): Invoicing business clients in other EU countries? The reverse charge mechanism changes who handles the VAT. Here's how it works and what to put on your invoice.
- [How to Set Up a Paperless Invoice Workflow from Scratch](https://kontomatch.com/articles/paperless-invoice-workflow-from-scratch): A complete paperless invoice setup for a German small business: from receipt capture to Steuerberater handoff, with no manual data entry.
- [Invoice Management for Agencies and Consulting Firms](https://kontomatch.com/articles/invoice-management-agencies-consulting-firms): Agencies and consultancies have more complex invoicing needs than solo freelancers. Multiple clients, project billing, retainers, and team expenses all require a systematic approach.
- [Multi-Currency Expense Tracking for Freelancers and Remote Teams](https://kontomatch.com/articles/multi-currency-expense-tracking-freelancers): Working across currencies creates real bookkeeping complexity. Here's how to handle EUR, USD, GBP, and CHF correctly for German tax purposes.

### Austria (AT)
- [Austrian VAT (Umsatzsteuer) Guide for Small Businesses](https://kontomatch.com/articles/austrian-vat-umsatzsteuer-guide): Austria's VAT system has three rates, a different registration threshold than Germany, and its own reporting portal. Here's how it works.
- [Expense Tracking for Austrian Freelancers: What You Can Deduct](https://kontomatch.com/articles/expense-tracking-austrian-freelancers): Austrian freelancers can deduct a wide range of business expenses against their income. Here's what qualifies, what the limits are, and how to document correctly.
- [Freelancer vs. Trade Business in Austria: What the Difference Costs You](https://kontomatch.com/articles/freelancer-vs-gewerbetreibender-austria): In Austria, whether you're a freelancer or a trade business owner determines your registration obligations, your tax structure, and your costs. Here's how to tell which one you are.
- [How Taxes Work for Austrian Freelancers](https://kontomatch.com/articles/how-taxes-work-for-austrian-freelancers): Austria has its own tax system, social security rules, and registration process for self-employed workers. Here's what you need to know before you start.
- [Record-Keeping Rules for Austrian Businesses: The BAO Explained](https://kontomatch.com/articles/record-keeping-rules-austria-bao): Austria's Bundesabgabenordnung sets out how long you must keep records and what counts as a valid document. Here's what it means in practice.
- [Year-End Bookkeeping Checklist for Austrian Small Businesses](https://kontomatch.com/articles/year-end-bookkeeping-checklist-austria): The steps to close your books cleanly at year end, prepare records for your Austrian Steuerberater, and avoid the most common mistakes that delay your tax filing.

### Switzerland (CH)
- [Expense Tracking for Swiss Freelancers: What You Can Deduct](https://kontomatch.com/articles/expense-tracking-swiss-freelancers): Swiss freelancers can deduct a wide range of business expenses from taxable income. Here's what qualifies under Swiss tax law, what the limits are, and how to document correctly.
- [How to Hand Off Your Books to Your Swiss Treuhänder](https://kontomatch.com/articles/how-to-send-books-swiss-treuhaender): Swiss freelancers and small businesses work with a Treuhänder rather than a Steuerberater. Here's how to prepare your records for a clean, efficient handoff.
- [MWST Explained: VAT for Swiss Freelancers and Small Businesses](https://kontomatch.com/articles/mwst-explained-swiss-freelancers): Switzerland's VAT is called MWST, runs at 8.1%, and has its own registration rules. Here's how it works and when you need to register.
- [Record-Keeping for Swiss Businesses: What the OR Requires](https://kontomatch.com/articles/record-keeping-swiss-businesses-or): Swiss businesses follow the Obligationenrecht (OR) for their record-keeping obligations. Here's what that means for freelancers and small business owners in practice.
- [Sole Trader vs GmbH in Switzerland: Tax and Admin Differences That Matter](https://kontomatch.com/articles/einzelunternehmen-vs-gmbh-switzerland): The choice between operating as a sole trader (Einzelunternehmen) and forming a GmbH in Switzerland has real tax and administrative consequences. Here's how to think about it.
- [Year-End Bookkeeping Checklist for Swiss Small Businesses](https://kontomatch.com/articles/year-end-bookkeeping-checklist-switzerland): Closing your books at year end in Switzerland involves cantonal deadlines, MWST reconciliation, and AHV contribution reviews. Here's what to check.

## Company

- Operating in Germany, Austria, and Switzerland
- Languages supported: English (EN), German (DE)
- GoBD compliant, GDPR compliant, EU-based data storage
- Two locations: Berlin (DE) and Lausanne (CH)
- Operated by Gordian Analytics SA
- Contact: https://kontomatch.com/contact