Is Starter a cut-down version of the bookkeeping?

No. Starter has the same double-entry bookkeeping, the same chart of accounts, the same reports and the same year-end close as Solo, Team and Scale. Only sales, purchasing and AI are missing.

Can my fiduciary work with me?

Yes. Starter includes two users. Invite your fiduciary into your company and they work directly in your figures.

How much is Starter with VAT returns?

CHF 5 for Starter plus CHF 3 for the VAT module, so CHF 8 per month, excl. VAT. On the yearly plan you pay ten monthly fees for twelve months.

What happens to my data if I switch to Solo?

Nothing. All postings, accounts and periods stay as they are. Solo adds invoicing, contacts and AI receipt recognition.

Can I switch from Solo to Starter?

Yes, at the end of the current billing period. Invoices and contacts remain stored but are locked until you switch back to Solo.

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Bookkeeping only, no invoicing: Saldio Starter for CHF 5

You don't write invoices and just want clean books? Saldio Starter is pure financial accounting for CHF 5 a month: Swiss chart of accounts, bank import, year-end close and a login for your fiduciary.

Published on23 October 2026·4 min read·by Saldio

Contents

Most accounting software assumes you write invoices. It comes with quotes, dunning, customer records and a product catalogue, and you pay for all of it. Many companies need none of that. Their invoices are created elsewhere, or there are hardly any. What they still need is clean bookkeeping.

That is what Saldio Starter is for: pure financial accounting for CHF 5 a month, without an invoicing module you pay for but never open.

Who Starter is for

Starter is for everyone who keeps books but does not invoice. Typical cases:

Holding companies: few postings a year, dividends, loans, administrative costs.
Real estate companies and property owners: rent arrives by standing order, the property manager handles the invoicing.
Businesses with industry software: invoices come from the POS system, the online shop, the practice or trade software. Only the totals end up in the books.
Side businesses and micro companies: a few incoming payments a month that need no invoice but must be posted correctly.
Anyone working with a fiduciary: you record as you go, the fiduciary reviews and does the year-end close.

If one of these sounds like you, a classic solution makes you pay for many features you will never use.

What’s included

Starter contains the complete financial accounting that is also part of the larger plans. None of it is cut down.

Double-entry bookkeeping with the Swiss SME chart of accounts, which you can adapt as needed.
CAMT bank import: upload your bank statement, Saldio reads the transactions, and you post them to the right accounts. The article on CAMT import shows how it works in detail.
Bank reconciliation: the bank balance and the ledger balance side by side, so differences show up immediately. More in bank reconciliation.
Reports: balance sheet, income statement, trial balance, account statements and year-on-year comparison.
Year-end close with fiscal years, period locks, closing preview and annual report, as described in the article on year-end closing preparation.
Two users: invite your fiduciary straight into your company. They see the same figures as you, with no files going back and forth and no export at year end.

What’s deliberately left out

Starter leaves out everything to do with customers and suppliers:

no quotes, orders, invoices, credit notes or reminders
no customer or supplier records, no products
no supplier invoices and no AI receipt recognition
no recurring expenses with automatic posting

That is not a shortcoming, it is the reason for the price. You pay only for what you actually use. And your menu stays tidy: no sales modules to click through on the way to your books.

What about VAT?

If your company is registered for VAT, add the VAT module for CHF 3 a month. It unlocks VAT periods and the VAT report straight from your books. Starter with VAT therefore costs CHF 8 a month, excluding VAT.

You book the module in the app under Administration → Plan after registering. It takes effect immediately. Which settlement method suits you is explained in Swiss VAT methods compared.

If you start invoicing later

Maybe the day comes when you want to send your own invoices with a Swiss QR bill. Then switch to Solo in the app. The switch takes effect immediately and is charged pro rata. Your postings, accounts and closings stay unchanged; only sales, contacts and receipt recognition are added. No fresh start, no data migration.

All plans side by side are on the pricing page.

Try it now

You can try Saldio Starter free for 7 days, no credit card required. Simply choose Starter when you register. After that, bookkeeping costs CHF 5 a month, cancel monthly, no setup fee.

Is Starter a cut-down version of the bookkeeping?: No. Starter has the same double-entry bookkeeping, the same chart of accounts, the same reports and the same year-end close as Solo, Team and Scale. Only sales, purchasing and AI are missing.
Can my fiduciary work with me?: Yes. Starter includes two users. Invite your fiduciary into your company and they work directly in your figures.
How much is Starter with VAT returns?: CHF 5 for Starter plus CHF 3 for the VAT module, so CHF 8 per month, excl. VAT. On the yearly plan you pay ten monthly fees for twelve months.
What happens to my data if I switch to Solo?: Nothing. All postings, accounts and periods stay as they are. Solo adds invoicing, contacts and AI receipt recognition.
Can I switch from Solo to Starter?: Yes, at the end of the current billing period. Invoices and contacts remain stored but are locked until you switch back to Solo.