A complete breakdown of Quipu's 2026 pricing: the three plans verified on its official site, the real cost with VAT, the difference between monthly and annual billing, and an honest comparison with three alternatives.
Quipu is one of the most widely used invoicing tools among freelancers (autónomos) in Spain, with more than 100,000 customers and the backing of the Italian group TeamSystem. Its official prices are clear: €17, €30, or €59 per month at the monthly rate, with a discount of around 20% if you pay annually. The real question is how much you'll actually pay per year, what's included in each plan, and whether it's worth it versus alternatives like Facturaz.
Here's the no-spin analysis, with prices verified on getquipu.com in June 2026.
How much does Quipu cost in 2026?
Quipu has three plans, with no lock-in. These are the official prices excluding VAT in June 2026, with the monthly rate and the annual-billing rate (around 20% off):
- Starter: €17/mo at the monthly rate · €14/mo paid annually
- Solution: €30/mo at the monthly rate · €25/mo paid annually (the mid-tier, the most balanced for most freelancers)
- Premium: €59/mo at the monthly rate · €49/mo paid annually
Quipu offers a 15-day free trial with no card required. There is no permanent free plan. To know the real cost, add 21% VAT and decide between monthly or annual billing, which is where the difference lies. We break it down per plan below.
Quick comparison with alternatives
Before getting into each plan, here's how Quipu compares with three of the alternatives most searched for by freelancers in Spain.
| Criteria | Quipu | Holded | Contasimple | Facturaz |
|---|---|---|---|---|
| Recommended plan (€/mo, excl. VAT) | 30 (25 annual) | 15 | 9.95 | 24 |
| Real annual price (incl. VAT) | €363–€436 | €217–€650 | €144–€470 | €290 (2 months free) |
| Trial / discount | 15-day trial + ~20% annual | Up to 30% off | Free plan | Free until 1st invoice |
| Lock-in | No | No | No | No |
| Proactive AI (anticipates problems) | No (reactive Genius AI) | No | No | Yes (AI Coach) |
| Verifactu-compliant | Yes | Yes | Yes | Yes |
| Advanced tax forms (349, 111) | Premium only | Plus plan+ | Ultimate plan | Included |
| Zero accounting knowledge needed | Short curve | Steep curve | Yes | Yes (core premise) |
Prices verified in June 2026 on the official websites. Excluding VAT unless otherwise stated.
Breakdown of the 3 plans
Each Quipu plan covers a different use case. Here's what's in each one and who it's designed for.
Starter plan: €17/mo (€14/mo annual)
The entry plan. Designed for businesses just starting out or freelancers with low volume.
What's included:
- Unlimited invoicing with Verifactu compliance
- Expenses via OCR (photo the receipt, automatic reading)
- Up to 2 bank accounts connected via PSD2
- Automatic bank reconciliation
- Basic tax forms (303, 130)
- 1 user
Real annual cost: €204 excl. VAT at the monthly rate (€246.84 incl. VAT), or €168 excl. VAT paid annually (€203.28 incl. VAT).
Who it's for: an individual freelancer with fewer than 30 invoices a month, with no need for advanced forms or collaboration with an accountant.
Solution plan: €30/mo (€25/mo annual)
The mid-tier and the most balanced for most freelancers. Designed for steady volume and full management.
What's included (in addition to Starter):
- Unlimited bank accounts
- Integrated Genius AI assistant
- SEPA collections and payments
- Connection with a partner accountant (network of 1,000+ firms)
- Tax forms 303, 130, 390, 347
- Up to 3 users
Real annual cost: €360 excl. VAT at the monthly rate (€435.60 incl. VAT), or €300 excl. VAT paid annually (€363 incl. VAT).
Who it's for: a freelancer or small business with 30–80 invoices/month that values integration with an external accountant.
Premium plan: €59/mo (€49/mo annual)
The full plan. Designed for businesses with advanced tax needs or multiple users.
What's included (in addition to Solution):
- Advanced tax forms (349 intra-community, 111 withholdings for professionals)
- Advanced treasury with cash-flow forecasting
- Unlimited users
- Priority support
Real annual cost: €708 excl. VAT at the monthly rate (€856.68 incl. VAT), or €588 excl. VAT paid annually (€711.48 incl. VAT).
Who it's for: a freelancer with intra-community operations (Modelo 349), withholdings for professionals (Modelo 111), or a small business with an admin team.
The real annualized cost with VAT
The price you see on the site is monthly and excludes VAT. To know what you really pay, add 21% VAT and choose between monthly or annual billing. This is what almost nobody calculates before signing up.
The calculation almost nobody does
| Plan | Monthly billing (incl. VAT) | Annual billing −20% (incl. VAT) |
|---|---|---|
| Starter | €246.84/yr | €203.28/yr |
| Solution | €435.60/yr | €363.00/yr |
| Premium | €856.68/yr | €711.48/yr |
Annual billing saves you around 20%, but commits you to 12 months upfront. Monthly billing is more flexible but more expensive. And watch out: if you need Modelo 349 or 111, it forces you up to Premium, which costs about €288–€348/yr more than Solution.
Compared with Facturaz: €24/mo excl. VAT, with 2 months free when paying annually. Real cost: €240/year excl. VAT, €290.40 incl. VAT. Versus Quipu Solution paid annually (€363 incl. VAT), the difference is about €73/year in Facturaz's favor; if you pay Quipu monthly (€435.60), the gap rises to about €145/year. And in both cases Facturaz includes the proactive AI Coach.
What is NOT included
These are the costs and limitations that verified Trustpilot and Capterra reviews mention repeatedly as a surprise.
- Advanced tax forms only on Premium. If you need Modelo 349 (intra-community operations) or Modelo 111 (withholdings for professionals), you have to move up to Premium. That adds about €288–€348/yr over the Solution plan depending on annual or monthly billing.
- Annual billing is charged upfront. The ~20% discount is real, but it is billed in one go and you do not get a proportional refund if you cancel mid-year.
- Limited template customization. Invoice and quote templates offer little advanced customization.
- Some integrations (Zapier, WooCommerce) with reported issues. They work, but require careful setup according to reviews.
- Mobile app described as basic. Useful for scanning receipts, limited for full management.
Lock-in and cancellation
Quipu has no mandatory lock-in. You can cancel month to month from your user panel, with no financial penalty.
But there is a friction documented in reviews: cancellation is done only from the panel, not via a simple email, and some users mention having to insist to confirm it. If you have signed up for annual billing with the discount, you do not get the proportional part back when you cancel.
If you value being able to cancel without extra steps, consider alternatives like Facturaz, where cancellation is one click from the panel.
Who Quipu is worth it for
Quipu is an especially good fit for these profiles:
- Service freelancers with 30–80 invoices/month and steady volume, where the Solution plan covers the needs exactly.
- Freelancers whose accountant is in Quipu's partner network (more than 1,000 firms). Real-time collaboration is one of its strongest points.
- Those who value a polished interface and a short learning curve. Capterra rates it 4.6/5 for ease of use.
- Standard businesses with no advanced tax requirements. If you do not need Modelo 349 or 111, Solution covers you.
- Those who prefer an established product with more than 10 years on the market and the backing of an international group (TeamSystem).
Who Quipu is NOT worth it for
Quipu is not the optimal choice if:
- Your budget is very tight and you invoice fewer than 10 times a month. Contasimple, from €7.95/mo, does the job for less.
- You need Modelo 349 or 111. It forces you up to Premium (€49–59/mo). Facturaz includes all tax forms in its €24/mo base plan.
- You are a small business with an admin team, inventory, or complex e-commerce. Here Holded fits better thanks to its ERP capability.
- You want to reduce your dependence on your accountant. Quipu is optimized to collaborate with the accounting firm, not to replace it.
- You value a proactive AI that anticipates tax problems rather than a reactive assistant. Quipu's Genius AI categorizes invoices; Facturaz's AI Coach warns you two weeks ahead when your next quarter's VAT is going to rise.
Cheaper or more complete alternatives
Three options worth considering depending on your cost profile and needs.
Holded, for small businesses with a team
Holded — from €15/mo, a cloud ERP for small businesses. Best for SMBs with a team, inventory, or e-commerce.
Holded offers a complete ERP (CRM, inventory, HR, projects) from €15/mo on its Plus plan. More complete than Quipu Solution for businesses with a team and complex processes, though the learning curve is steeper and for solo freelancers it can be overkill. Real annual cost: €217 to €650/year incl. VAT depending on plan.
Contasimple, for a very tight budget
Contasimple — free or from €7.95/mo, the cheapest option in the Spanish market. Best for freelancers with low volume and a limited budget.
It has a genuine free plan (not a trial) and paid plans from €7.95/mo. Acquired by Cegid in 2022. Important limitations: several reviews note a drop in service quality after the acquisition, maintenance outages during office hours, and annual price increases. Real annual cost: free to €470/year incl. VAT depending on plan.
Facturaz, for freelancers and small businesses (0–10) who want proactive AI
Facturaz — free until your first invoice, then €24/mo. An AI CFO for freelancers and companies with up to 10 employees. Here is the difference with Quipu in price and approach.
| Annual cost (incl. VAT) | Quipu Solution | Facturaz |
|---|---|---|
| Annual billing | €363/yr (€25/mo, −20%) | €290.40/yr (2 months free) |
| Monthly billing | €435.60/yr (€30/mo) | — |
| Difference (annual billing) | — | ~€73/yr less |
But the calculation does not end with the price. Quipu gives you a reactive AI assistant (Genius AI categorizes invoices and answers questions). Facturaz includes a proactive AI Coach that detects tax optimizations (deductions you missed, miscategorized expenses, the best moments for deductible investments) before the quarter closes. A single optimization it spots covers the difference several times over per year.
And the other contrast that matters: zero accounting knowledge. Quipu is easy to learn, but it is still software you operate. Facturaz starts from a different premise: you invoice, the platform does the rest.
Honest about limitations: Facturaz is a new product (2025); it does not have Quipu's 10+ years of track record or its network of partner accountants. If you value an established brand with thousands of historical reviews, Quipu is still a valid option.
Verdict: is Quipu worth the price?
The verdict in one sentence
Quipu Solution (€30/mo, or €25/mo paid annually) is well calibrated for its ideal profile: the service freelancer whose accountant is in its partner network. But for freelancers and businesses with up to 10 employees who value a proactive AI, Facturaz covers the same for less and with an AI Coach included.
Price rating: 3.5/5 · Transparency: ✓ · Annual discount: −20% · Advanced forms: Premium only
Quipu is not expensive: it is a solid product at a reasonable price for its ideal segment. The real annual cost incl. VAT of the Solution plan is €363 paid annually or €435.60 month to month, while modern alternatives like Facturaz offer more automation for €290/year.
If your accountant works with Quipu and you value real-time collaboration, Quipu Solution is the logical choice. If you are looking to reduce dependence on your accountant, to anticipate tax problems rather than just record them, or to pay a bit less, Facturaz goes further.
Next step
If you want the platform to anticipate your tax problems rather than just record them, you can start free with Facturaz until your first invoice, no card required.