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Accounting · head to head

Dinero vs Netvisor

Dinero logo

Dinero

Accounting

Danish accounting software for small businesses and self-employed

From
Free
Rated
-
Full reviewWebsite
Netvisor logo

Netvisor

Accounting

Finnish cloud accounting and payroll with pricing built from a base fee plus per transaction charges

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Dinero free tier only for turnover under 100,000 DKK annually; Netvisor pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Dinero and Netvisor actually diverge.

Attributes where Dinero and Netvisor differ
AttributeDineroNetvisor
Pricing modelfreemiumsubscription

Identical on both: starting price (Free), free tier (Yes), platforms (Web), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Dinero

Nothing recorded that Netvisor does not also cover.

Only in Netvisor

  • Finnish general ledger
  • Value added tax reporting
  • Bank connections
  • Electronic invoicing
  • Purchase invoice workflow
  • Sales invoicing
  • Payroll
  • Incomes register reporting

What people use each for

The jobs each tool is most often brought in to do.

Dinero

  • Small business accountingnot Netvisor

Netvisor

  • A Finnish company whose accounting firm works in Netvisor and wants the client approving purchase invoices in the same systemnot Dinero
  • A Finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on timenot Dinero
  • A business receiving and sending structured e-invoices with Finnish counterparties that require themnot Dinero
  • A Finnish accounting practice standardising clients on one system with a shared role model rather than one instance per clientnot Dinero

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Dinero

  • Free tier only for turnover under 100,000 DKK annually
  • Monthly billing costs 52 DKK more than annual on Starter+

Netvisor

  • Pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.
  • It serves Finland, so the tax and payroll logic is useless to entities filing elsewhere, and a Nordic group ends up running a different system in each country even where they belong to the same corporate family.
  • The interface, help material and support operate in Finnish, so a foreign owned subsidiary needs a Finnish speaking bookkeeper or accounting firm to operate it and cannot supervise it directly from head office.
  • Finnish payroll requires collective agreement terms to be configured correctly, and getting holiday pay, supplements and shift rules right is specialist work usually done by a partner, so payroll implementation is a paid project rather than a setup wizard.
  • Because most deployments come through an accounting firm, the practical service you receive depends on that firm's competence with the product, and changing accountant can mean changing system or inheriting a configuration nobody documented.

Pricing, plan by plan

Dinero

Free
  • StarterFree
    • For businesses with turnover under 100,000 DKK annually
    • Basic accounting functions
    • Limited advisor guidance
  • Starter+$245/month
    • Unlimited turnover
    • Ad-free invoices
    • 297 DKK if monthly billing
  • Pro$345/month
    • Automatic booking suggestions
    • Full bookkeeping support 8-22 daily
    • 24/7 AI support
  • Total$545/month
    • Annual financial statements included
    • Prioritized chat support
    • Unlimited risk and credit assessments

Netvisor

Free
  • Starter$25/month
    • Basic accounting, 1000 transactions, invoicing, payroll for 1 person
  • Basic$25/month
    • Basic accounting plus invoicing, 2.06 euros per invoice item, unlimited users, email support
  • Core$25/month
    • All Basic features, invoices included in monthly cost
  • Professional$25/month
    • All Core features, broadest software interface, budgeting, reporting, forecasting, purchase and sales orders

Which should you pick?

Choose Dinero if

  • You want to start without paying.
Dinero review

Choose Netvisor if

  • You need finnish general ledger.
  • You want to start without paying.
  • You also want value added tax reporting.
Netvisor review

Questions people ask

Is Dinero or Netvisor better?
Neither clearly leads. Dinero starts at Free and Netvisor at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Dinero or Netvisor?
Dinero starts at Free and Netvisor at Free.
Does Dinero or Netvisor run on more platforms?
Both run on Web, so platform support will not decide this one for you.
Can I use Dinero for free?
Both have a free tier, so you can try either at no cost before committing.
What is Dinero best used for?
Dinero is most often used for small business accounting. Of those, small business accounting is not what Netvisor is typically brought in for.
What can Dinero do that Netvisor cannot?
Netvisor covers Finnish general ledger, Value added tax reporting, Bank connections, Electronic invoicing.

Answered from the vendors’ own pages

Dinero: How much does Dinero cost?

Dinero offers a free Starter plan for businesses under 100,000 DKK annual turnover. Starter+ is 245 DKK/month (yearly) or 297 DKK/month (monthly billing). Pro is 345 DKK/month, and Total is 545 DKK/month.

Source
Netvisor: Is Netvisor usable outside Finland?

Not as a compliance system. The value is the Finnish tax, banking, e-invoicing and payroll logic. Companies filing elsewhere should look at the local product in the Visma range or another local vendor.

Dinero: Is Dinero free?

Yes, Dinero offers a free Starter plan for businesses with annual turnover under 100,000 DKK, including basic accounting and limited advisor guidance.

Source
Netvisor: Why is the pricing structured per transaction?

It reflects a Finnish market convention where the accounting firm's fee also scales with document volume. It means a low volume company pays very little and a high volume one pays a great deal, so estimate your annual invoice and payslip counts before comparing headline prices.

Dinero: What discount does Dinero offer for multiple businesses?

A 33% discount applies when managing multiple businesses with Pro or Total subscriptions.

Source
Netvisor: Can my accounting firm work in it with me?

Yes, that is the intended model. The practice and the client share one instance with different roles, so the firm does the bookkeeping while you approve purchase invoices and issue sales invoices.

Netvisor: Does it handle payroll for collective agreements?

It supports Finnish collective agreement based payroll, but configuring the specific agreement terms correctly is expert work normally done during a paid implementation. Do not assume payroll is switched on the same week as accounting.

Netvisor: What about the incomes register?

Reporting earnings to the national incomes register within the statutory deadline is built in, which is one of the main reasons Finnish employers use a local product rather than an international one.

Netvisor: Is it a full ERP?

It includes inventory and fixed assets alongside the ledger, which covers a good deal of a small distributor's needs, but it is a financial management system rather than a manufacturing or full supply chain ERP.

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