Bookkeeping for Austrian SMEs

Upload your documents.
Bookkeeping prepared.

Calio reads invoices, receipts and bank statements, prepares the entries and shows you every day what needs doing. You review and approve — nothing is posted unless you confirm it.

Try it free for 14 days How it works
No credit card neededA separate workspace per company
  • Double-entry bookkeeping
  • Documents read automatically
  • IBANs and references checked
  • Four-eyes principle
  • Files up to 200 MB
Features

Everything that happens between the receipt and the closing

From the receipt to the closing checklist: Calio does the legwork and makes visible where your decision is needed.

Upload documents

Drag files in or photograph them with your phone. Duplicates are rejected.

Upload documentsMuster Schreinerei GmbH
Drag files herePDFs, photos, bank statements · up to 200 MB
  • Rechnung_Muster_Holzhandel.pdf214 KB Registered
  • Scan_2026-09-14_0912.pdf3 pages from a phone · 1.1 MB Registered
  • camt053_Muster_Bank_August.xml38 KB Bank statement
  • Rechnung_Muster_Holzhandel.pdf214 KB · already uploaded Duplicate

3 documents registered · 1 duplicate rejected

Entries as proposals

Every entry with its document and reasoning. Nothing is posted until you approve it.

Draft entry B-0043awaiting approval
Document doc-0127 · invoice Muster Holzhandel AG
AccountDebitCredit
4000 Cost of materials1.240,00
1170 Input tax100,44
3300 Trade payables1.340,44
balanced1.340,441.340,44
Reasoning: Timber delivery per invoice 2026-118. Amount and input tax recalculated. Confidence: high.
ApproveReject

Missing paperwork at a glance

See month by month which bank statements or payroll documents are still missing.

Paperwork 2026Muster Schreinerei GmbH
JanFebMarAprMayJunJulAug Bank statement Credit card Payroll
receivedmissing
July bank statement missingMuster Bank · account 1020Upload

Receivables & dunning

Open invoices by age. Reminders come as drafts — you send them.

Open itemsEUR 4.275,50 (computed)
1–30 days31–60 daysover 60 days
  • Muster Café GmbHInvoice 1038 · 61 days1.275,502nd reminder
  • Muster Bau AGInvoice 1043 · 34 days2.140,001st reminder
  • Muster Immobilien AGInvoice 1051 · 12 days860,00Friendly reminder
Draft · 2nd reminder to Muster Café GmbHnot sent

Dear Sir or Madam, invoice 1038 for EUR 1.275,50 is still outstanding despite our reminder …

Payables & due dates

See what falls due soon. A changed bank account is flagged immediately.

Due in the next 30 daysPayables
  • 18.09.Muster Energie AGElectricity, August312,40
  • 24.09.Muster Holzhandel AGInvoice 2026-1181.340,44
  • 30.09.Muster Leasing AGLease instalment, September890,00
Bank details changedMuster Leasing AG has given a different IBAN than before. Please have the supplier confirm it.
previously AT12 •••• 0001new AT76 •••• 4471
Total due (computed)EUR 2.542,84

Prepare payments

A payment file from your open supplier invoices. You release it in your e-banking.

Payment runMuster Schreinerei GmbH
Bank accountsMuster Bank per bank statement of 14.09.2026EUR 48.312,60
  • Muster Energie AGElectricity, August · due 18.09.312,40
  • Muster Holzhandel AGInvoice 2026-118 · due 24.09.1.340,44
  • Muster Leasing AGConfirm the changed IBAN first890,00
2 payments (computed)EUR 1.652,84
Create payment file pain001-pr-0007.xml

You release it in your e-banking. Covered: EUR transfers via SEPA.

Balance sheet & income statement

Computed from posted entries, with the prior period. To print or as CSV.

Income statementProvisional
01.01.–31.08.2026 · posted entries only · 3 drafts not included
Item2026Prior period
Operating revenue from goods and services186.420,00171.980,00
Cost of materials and goods−58.310,00−54.120,00
Personnel expenses−74.600,00−71.200,00
Other operating expenses−31.250,00−29.870,00
Profit for the year22.260,0016.790,00
Balance sheet: assets = liabilitiesDifference 0.00
Print A4Export CSV

An assistant for your questions

Ask in your own words — the answer is based on your own data.

AssistantMuster Schreinerei GmbH
Which invoices are overdue?

Three customer invoices are overdue, EUR 4.275,50 in total (computed):

  • Muster Café GmbH · 61 days1.275,50
  • Muster Bau AG · 34 days2.140,00
  • Muster Immobilien AG · 12 days860,00

Suggestion: prepare the 2nd reminder to Muster Café GmbH as a draft.

Ask a question …
How it works

Three steps to books that are up to date

Open an account

Company name, e-mail, password — and your own workspace is ready. You set the financial year and VAT status in the settings.

Upload documents

Drag invoices, receipts and bank statements into the window, or photograph documents with your phone. Calio files them and prepares the entries.

Review & approve

You see every proposal with its document and reasoning, and approve or reject it. The overview is up to date every day.

Control

Automated — but never without you

Bookkeeping is a matter of trust. That is why Calio has firm rules that no automation can get around.

  • No money moves without you Calio never triggers a payment and is not connected to any bank. You upload the prepared payment file to your own e-banking and release it there.
  • Nothing is posted without approval Every entry needs a second pair of eyes. Entries that do not balance are rejected.
  • Everything is traceable Every change is in the history and can be undone. Posted entries are reversed, never deleted.
  • Your data stays your data Every company works in its own separate workspace. No other customer sees any of it.
Who it is for

For every business that has books to keep

Any industry: retail, services, hospitality, trades or associations.

Sole proprietorsNo more collecting paper — upload, review, done.
GmbH & AGReceivables, payables, payroll and VAT in one place.
AssociationsDocuments digital instead of in a binder, every entry traceable.
Treuhänder & Family OfficeSeveral clients, large document archives, clear approvals.
Pricing

Simple plans that grow with your books

Try it free for 14 days, no credit card. After that monthly or yearly — cancellable at any time, effective at the end of the period.

2 months free

Solo

Sole proprietors, freelancers and associations

EUR 24/ month
EUR 288 billed yearly
  • 50 documents per month
  • 1 company
  • All features included
Start free trial
Recommended

SME

GmbH and AG with ongoing bookkeeping

EUR 74/ month
EUR 888 billed yearly
  • 250 documents per month
  • Up to 3 companies
  • All features included
Start free trial

Treuhänder & Family Office

For Treuhänder and family offices with many clients

EUR 166/ month
EUR 1.992 billed yearly
  • 1.000 documents per month
  • Up to 30 companies
  • All features included
Start free trial

Custom

More clients, your own requirements

Custom
Quoted to scope
  • Documents as agreed
  • Companies as agreed
  • All features included
Get in touch
In every plan: Document captureEntry proposalsMissing paperwork DunningDue datesPayment files Balance sheet & income statementAssistant

Introductory prices, excl. VAT. No setup fee.

FAQ

Frequently asked questions

Do I need bookkeeping knowledge?

No. Calio proposes every entry with its reasoning and shows what is still missing. To approve, it is enough to compare the document with the proposal. When something is unclear, Calio asks instead of guessing.

Which files can I upload?

PDFs, photos (JPG, PNG), bank statements (camt.053 XML or CSV, for example), Excel sheets, Word documents, e-mails and ZIP archives — up to 200 MB per file. The same file twice is recognised and never counted twice.

Paper documents you photograph straight from your phone, several pages included: the pages become one PDF. HEIC and TIFF files are stored, but come back to you for review with a note.

Can Calio trigger payments?

No, deliberately not. Calio never moves money and is not connected to any bank. From your open supplier invoices Calio creates a payment file (pain.001 to ISO 20022, SEPA). You upload it to your e-banking and release the payments there yourself.

Covered are EUR transfers to SEPA countries. Invoices in other currencies are shown but not included. A changed bank account is confirmed by you first. An invoice counts as paid only after your confirmation; when a later bank statement shows the payment, Calio proposes it.

Does Calio file the VAT return?

No. You file the VAT return yourself. The tax and payroll desks prepare drafts from your posted entries, the payroll entries for example. The Austrian tax rates, chart of accounts and checks are built in, but not yet signed off by a tax adviser — Calio is in its test phase.

Does Calio post entries on its own?

Calio creates drafts. Nothing is posted until you approve it, and posted entries can only be corrected by a reversing entry — so everything stays traceable.

Can I manage several companies?

Yes, depending on the plan. Within your account you set up several clients — every entry, every document and every invoice belongs to exactly one of them.

What happens after the trial?

The trial ends automatically and costs nothing. Without a subscription you can still view your data, but no longer upload or change anything. Your data is kept — for at least 90 days.

Can other customers see my data?

No. Every company that signs up gets its own separate workspace. Once signed in you see the data of your company only.

Ready for bookkeeping without a pile of paperwork?

Try it free for 14 days — no credit card, the trial ends automatically.

Open your account Sign in