Is Netvisor or sevdesk better?

Neither clearly leads. Netvisor starts at Free and sevdesk at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Netvisor or sevdesk?

Netvisor starts at Free and sevdesk at Free.

Does Netvisor or sevdesk run on more platforms?

Both run on Web, so platform support will not decide this one for you.

Can I use Netvisor for free?

Both have a free tier, so you can try either at no cost before committing.

What is Netvisor best used for?

Netvisor is most often used for a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system, a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time, a business receiving and sending structured e-invoices with finnish counterparties that require them, a finnish accounting practice standardising clients on one system with a shared role model rather than one instance per client. Of those, a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system and a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time are not what sevdesk is typically brought in for.

What can Netvisor do that sevdesk cannot?

Netvisor covers Finnish general ledger, Value added tax reporting, Bank connections, Electronic invoicing.

Accounting · head to head

Netvisor vs sevdesk

Netvisor

Accounting

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

From: Free
Rated: -

Full review Website

sevdesk

Accounting

German accounting and invoicing software for small businesses and freelancers

From: Free
Rated: -

Full review Website

The short version

Each has a real cost: 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.; sevdesk the free Kostenlos plan caps invoices and e-invoices at just 3 per month, forcing an upgrade to the Rechnung plan for unlimited invoicing
Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Netvisor and sevdesk actually diverge.

Attributes where Netvisor and sevdesk differ
Attribute	Netvisor	sevdesk
Pricing model	subscription	freemium

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 Netvisor

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

Only in sevdesk

Nothing recorded that Netvisor does not also cover.

What people use each for

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

Netvisor

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

sevdesk

Scanning receipts via mobile app and matching to transactionsnot Netvisor
Creating VAT advance returns and filing with tax authoritiesnot Netvisor
Generating XRechnung format invoices mandatory for B2B by 2025not Netvisor
Recording bank transactions automatically across 4000+ supported banksnot Netvisor
Managing unlimited invoices with automatic sales tax calculationsnot Netvisor

Where each one falls short

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

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.

sevdesk

The free Kostenlos plan caps invoices and e-invoices at just 3 per month, forcing an upgrade to the Rechnung plan for unlimited invoicing
API access and cost center tracking are reserved for the top Buchhaltung Pro tier at EUR 13.95 to EUR 34.90/month depending on commitment length, not included in the mid-tier Buchhaltung plan

Pricing, plan by plan

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

sevdesk

Free

FreeFree
- Permanently free with no credit card required
- Up to 3 invoices/e-invoices monthly
- Unlimited contact creation
Rechnung (Invoice Plan)$11.9/month
- Regular: €11.90/month, discounted to €4.45/month on 24-month term
- Unlimited invoices, offers, e-invoices, and payment reminders
Buchhaltung (Accounting Plan)$25.9/month
- Recommended plan
- Regular: €25.90/month, discounted to €9.95/month on 24-month term
- Bookkeeping features, AI-powered receipt capture, tax filing
Buchhaltung Pro (Accounting Pro)$34.9/month
- Regular: €34.90/month, discounted to €13.95/month on 24-month term
- Cost center analysis, REST-API access, business financial analysis (BWA)

Which should you pick?

Choose Netvisor if

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

Netvisor review

Choose sevdesk if

You want to start without paying.

sevdesk review

Questions people ask

Is Netvisor or sevdesk better?: Neither clearly leads. Netvisor starts at Free and sevdesk at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Netvisor or sevdesk?: Netvisor starts at Free and sevdesk at Free.
Does Netvisor or sevdesk run on more platforms?: Both run on Web, so platform support will not decide this one for you.
Can I use Netvisor for free?: Both have a free tier, so you can try either at no cost before committing.
What is Netvisor best used for?: Netvisor is most often used for a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system, a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time, a business receiving and sending structured e-invoices with finnish counterparties that require them, a finnish accounting practice standardising clients on one system with a shared role model rather than one instance per client. Of those, a finnish company whose accounting firm works in netvisor and wants the client approving purchase invoices in the same system and a finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on time are not what sevdesk is typically brought in for.
What can Netvisor do that sevdesk cannot?: Netvisor covers Finnish general ledger, Value added tax reporting, Bank connections, Electronic invoicing.

Answered from the vendors’ own pages

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.

sevdesk: How much does sevdesk cost?

sevdesk offers a free plan and three paid tiers. Invoice Plan starts at €11.90/month (€4.45/month on 24-month), Accounting Plan at €25.90/month (€9.95/month on 24-month), and Accounting Pro at €34.90/month (€13.95/month on 24-month).

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.

sevdesk: What is included in sevdesk's free plan?

The free plan allows creation of up to 3 invoices/e-invoices monthly, unlimited contact creation, and access to support materials. No credit card is required.

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.

sevdesk: What add-ons are available for sevdesk?

sevdesk offers optional add-ons priced €3.90-€19.90/month including premium layouts, additional users, inventory management, and time tracking. Premium services such as setup consultations start at €24.90.

Source

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.

sevdesk: Does sevdesk offer a promotional discount?

Yes, sevdesk advertises up to 50% discount through a time-limited Black Cyber Deal offering 60% off all plans. Additionally, all paid plans include 24-month term options with significant savings (up to 62% discount).

Source

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.

Netvisor vs sevdesk

Netvisor

sevdesk

The short version

Where they differ

What each one covers

Only in Netvisor

Only in sevdesk

What people use each for

Netvisor

sevdesk

Where each one falls short

Netvisor

sevdesk

Pricing, plan by plan

Netvisor

sevdesk

Which should you pick?

Choose Netvisor if

Choose sevdesk if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Netvisor

More on sevdesk

Keep looking

Other head to heads