You already know what the Free plan lets you do in the app. This article is the other half: everything a paid plan (Invoicing, Bookkeeping, Taxes or Max) unlocks, and how to actually use it from your phone.
Good news: almost nothing here is "web only". You can do it all from the app.
Want the same overview but including the web version too? Read our Guideline for Accountable users. Still figuring out which plan to pick? Start with our plan comparison instead.
📋 The short version Here's everything a paid plan adds, in one glance:
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On the Free plan, you can see your transactions, but not what's really "yours" to spend once taxes are set aside. A paid plan unlocks Cash Available: a simple number that shows your balance, minus what you'll owe in VAT, social contributions and income tax.
In short: open your Bank screen, and you'll see your real spendable balance, updated live.
Free and Invoicing only allow 1 bank account. From Bookkeeping onwards, you get more:
Plan | Bank accounts |
Free / Invoicing | 1 |
Bookkeeping / Taxes | Up to 5 |
Max | Up to 10 |
In short: go to Settings → Bank settings → Add new bank account whenever you need to add one.
On Free, only 5 expense transactions get fully processed each month. With any paid plan, that limit disappears completely: every transaction on every connected account can be matched and counted.
Invoicing itself is unlimited even on Free. What a paid plan adds is control over how your invoices look:
Switch the invoice language per client
Pick your own fonts and colours
Add your own terms and conditions
You'll find these options the same way you always create an invoice, just with more choices along the way:
⚠️ Language, font, colour and custom terms are only available on paid plans, not on Free. |
Want to agree on a price before you start a project? Create a quote right from your phone:
Go to Revenue
Tap Create a quote
Add your client, items and prices
Send it as a PDF
Once your client says yes, open the quote and tap Make it an invoice. Done, no retyping.
ℹ️ Quotes don't affect your taxes or bookkeeping. More in 'What you should know about quotes'. |
Billing the same client the same amount every month? Set it up once:
On the Revenue screen, tap the three dots and choose Schedule a recurring invoice
Fill in the client, price and how often it repeats
Decide if it should send itself, or wait for you to check it first
You can pause or stop it anytime from the Recurrences tab. Step-by-step details are in this article.
Free stops at 5 expenses a month, whether it's a scanned receipt or an imported invoice. Any paid plan removes that cap. Scan your receipts, forward invoices, import documents, as many as you need, every month.
💡 Nothing changes about how you add an expense: tap "+", then Scan, Open gallery, or Import a document. Accountable still reads and fills it in for you. |
Paid plans show you tax-saving tips right where you need them, while you're adding an expense, checking your revenue, or reviewing your tax settings.
If you're subject to VAT, you can submit your VAT return straight to SPF Finances from the Taxes tab:
Make sure your expenses and revenue for the quarter are complete
Open the VAT declaration and pass the Tax review
Tap Submit to SPF Finances
Pay (or get refunded) using the ready-made QR code
Full steps: How to submit your VAT declaration in one click.
As a self-employed person in Belgium, you file one yearly tax return for all your income. With Bookkeeping and up, you can prepare and submit it right from the app. See 🇧🇪 How to submit and pay my yearly income tax.
If you need to submit a yearly client listing, or an intracommunity listing for EU clients, both show up on your Taxes screen with a paid plan:
🛡️ Every tax filing you submit through Accountable on a paid plan is guaranteed: up to €500 per declaration (Bookkeeping/Taxes), or up to €10,000 (Max), if you get fined for an honest mistake. Read the full guarantee details. |
Everyone can export an Excel file and their original documents. Paid plans add two more: a PDF export and an assets and amortisation export, both from Menu → Export your data.
The AI Tax Advisor is available 24/7 on every paid plan, right on your Home screen. Getting a real person depends on your plan:
✅ Direct access to a tax coach | 💬 Ask through the AI Tax Advisor | 🚫 No tax coach access |
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💡 On Max, you also get a quarterly video call with your tax coach and skip the queue for support. More in Benefits of Max. |
A paid plan also gives you access to web.accountable.eu, which Free doesn't include. Everything above works the same way there. This article just focuses on the app, since that's where most people start.
Still not sure which plan fits you? Our plan comparison breaks down pricing and who each one is for.
Question? We're at your disposal in the chat below.
Author - Valesca Wilms
As content marketing lead at Accountable Belgium, Valesca writes about freelancing, self-employment, and taxes based on her own experience as a freelancer.
Who is Valesca ?Thank you for your feedback!
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