Swiss-grade security
Keycloak with MFA and brute-force protection, complete audit log, and data residency in Switzerland.
Active development
From quote to closing balance.
One software, one flow. Swiss bookkeeping, invoicing and VAT in a continuous process – from the first quote to the final posting.
Saldio is now an officially registered trademark – read the story on the blogSaldio · DemoQ2 / 2026
REVENUE
CHF 124'860
+18% vs. previous quarter
Open invoices8CHF 14'320
VAT Q1 2026filedESTV form 100
Inbox receipts23auto-matched
The flow
Four steps. One continuous process.
Saldio carries every document from quote to ledger – no double entry, no broken hand-off between tools.
- 01
Quotes
Create, version and convert quotes into invoices with a single click.
- 02
Invoices with QR
Swiss QR invoices straight from the system – with reminders and status tracking.
- 03
Bank & Receipts
Import CAMT bank data, upload receipts and reconcile payments automatically.
- 04
Accounting & VAT
Swiss VAT filing per ESTV form 100 and year-end close at the push of a button.
Promises
Three things we get right.
Clarity
Double-entry bookkeeping with transparent drill-down – every payment and posting traceable at any time.
Speed
Native-image backend that boots in under a second and a keyboard-first UI for daily work.
Shipped
What Saldio already does today.
A selection of the key capabilities – the full scope lives on the features page.
QR invoice (Swiss QR-Bill)
Swiss QR payment slip per SIX standard – with IBAN, QR reference and amount right on every invoice.
CAMT bank import
Import CAMT.053 and CAMT.054, auto-match payments and trace every booking in the audit trail.
Automatic VAT
Effective or net tax rate, quarterly or biannual – Saldio prepares form 100 for the ESTV.
Double-entry bookkeeping
Every document is booked correctly in debit and credit – per Swiss SME practice.
Multiple tenants
One login for any number of companies – each with its own role and cleanly separated data. Ideal for fiduciaries.
Email delivery with PDF
Send invoices, quotes and delivery notes via SMTP – including the QR-PDF and ZUGFeRD attachment.
Automatic payment matching
QR and SCOR references match payments to the right invoice automatically.
Factur-X / ZUGFeRD 2.3
EN 16931 e-invoice as PDF/A-3 with embedded XML – enabled per tenant.
Employee management
Register employees, keep billing rate and wage cost cleanly separated – directly linked to projects and time tracking.
Foreign currencies
Invoice in EUR, USD and other currencies – with daily rate and CHF equivalent for the books.
Coming soon
What is next.
What pilot customers get next – tracked live in the open repository.
Planned
AI receipt import
Snap or upload a receipt – the AI reads amounts, VAT and vendor and pre-fills the entry.
Planned
AI assistant in Saldio
Context-aware support right in your workflow – with suggestions and explanations as you work.
Planned
AI chat & inline help
Ask in chat how something works – step-by-step help while creating documents and entries.
Made in Switzerland
Swiss software. Swiss data.
Saldio is built in Switzerland and hosted in a Swiss data centre. Your data stays under your control.
- Hosted in Switzerland
- ESTV-compliant VAT
- QR invoice & CAMT native
Get started
Interested?
Register today and set up your accounting in minutes. No sales call, no risk.
Still have questions? We are here to help: support@saldio.ch