Reporting and money management for Israeli freelancers with AI

Note: general recommendations only, not professional advice and not tax advice. You are responsible for checking before use. Before you open a file, choose a dealer type or change an advance payment, consult a certified accountant or tax adviser. The full text is at the end.

Checked on November 3, 2026 against the websites of the Israel Tax Authority and the National Insurance Institute (Bituach Leumi). Every threshold, rate and date on this page links to the official page it was taken from. The official pages are in Hebrew. If something has changed since, what the official site says is what counts.

Who this is for

For freelancers who are just starting out and for people who have worked alone for a few years: designers, developers, therapists, private tutors, photographers and consultants. If you're not sure when the next report is due, your receipts live in a folder on your phone and in your inbox, and at the end of every month you don't know how much of the money in the account is really yours, this playbook is for you.

You don't need to know bookkeeping. You copy formulas into any common spreadsheet tool, and use a general AI tool you already have. If you don't want to upload documents to an AI tool, you can type everything by hand: the formulas work the same.

What this playbook doesn't do: it doesn't choose between osek patur (exempt dealer) and osek murshe (licensed dealer) for you, it doesn't calculate income tax or national insurance contributions, and it doesn't decide whether a given expense is deductible. It organizes the numbers you already have, reminds you when to report, and prepares a precise list of questions for your accountant. Companies, partnerships and employees are out of scope here, and if they apply to you, that's the first question for your accountant.

What you'll have at the end of the hour

• A comparison table of osek patur and osek murshe, with every row linked to its source, and a list of questions for your accountant.
• A "Reporting calendar" tab: VAT, income tax advances, national insurance and the annual report, with the next date and how many days are left. Under a week turns red.
• Recurring calendar events for each report, with a reminder ahead of time.
• A "Receipts" tab: one row per receipt and invoice, classified deductible, not deductible or [to check].
• A "My share" tab: how much to set aside this month for the advance, national insurance, pension and VAT, and how much is really left for you.
• A "Cash flow" tab: three months ahead, with a weak month in red and a list of actions.
• An "Accountant folder" tab: what needs to be ready at the end of the year, and a prompt that checks what's missing.

What you need

• Any spreadsheet tool that supports formulas and conditional formatting.
• A digital calendar where you can create a recurring event.
• The letters you got from the authorities, if you've already opened a file: the VAT registration confirmation, the advances letter from income tax, the payment demand from national insurance.
• Last month's receipts and invoices, as photos or files.
• The balance of your business bank account, and a list of clients with expected amounts for the next three months.
• A general AI tool that lets you upload a file or an image. Optional.

One rule you don't bend: the AI doesn't invent numbers and doesn't decide how much tax you'll pay. Every number in the sheet comes from a document of yours, from a letter from an authority, or from an official page we linked to. Anything that isn't in the document comes out as [to check], and an uncertain classification comes out as "check with the accountant".

The kit, step by step (60 minutes)

Step 1 (10 minutes): Osek patur or osek murshe, and what to open where

What to do: Read the comparison, write down what isn't clear, and come to your accountant with questions. The decision stays with you and your accountant.

The comparison, from the official pages:

Even someone who reports as a micro business still has to keep books by law (Tax Authority FAQ).

What to open where:

1. VAT, osek patur: an online application on the Tax Authority website, in the "open an exempt dealer file" service (Open an exempt dealer file). According to the same page, if you also need a national insurance file, the notice is passed on automatically and you don't need to contact national insurance separately.
2. VAT, osek murshe: form 821, the application to open a licensed dealer file, with the required documents (Form 821).
3. Income tax: notify the assessing officer for your business's area in writing, no later than the day the business opens. At the assessing office you can fill in form 5329 (Opening a business with income tax).
4. National insurance: notify them as soon as you start working as a freelancer. You can open a file with the Tax Authority and with national insurance in one digital process, and you fill in a multi-year report form (Self-employed registration, national insurance).

I'm starting to work as a freelancer in Israel, and I want to come to a meeting with an accountant prepared.
My field: [for example: graphic design]
My clients: [businesses / private individuals / both]
Expected monthly income, roughly: [amount], and how it spreads over the year: [steady / seasonal]
Expected expenses: [equipment, software, car, home office, travel]
Also working as an employee: [yes / no]
What I've already opened: [VAT / income tax / national insurance / nothing]

Rules:
1. Don't choose between osek patur and osek murshe for me, and don't write amounts, rates or ceilings. Those come from the accountant and the official pages.
2. Don't estimate how much tax I'll pay.
3. If you're missing a detail you need to phrase a question, write [to check] and ask me.

Return:
a. Three to five points where my situation affects the choice (for example: whether my clients are businesses that offset VAT).
b. A list of documents to bring to the meeting.
c. A heading "Questions for the accountant" and under it up to ten short, numbered questions in plain language.

Common mistake: choosing osek patur only because "it's simpler". If your clients are businesses, if your turnover is close to the ceiling, or if your occupation is on the list of occupations that require a licensed dealer file, the choice changes. That's exactly what you ask in the meeting.

Step 2 (10 minutes): A reporting calendar and calendar reminders

What to do: Open a new sheet called "Business [year]" with five tabs: Reporting calendar, Receipts, My share, Cash flow, Accountant folder. The names must be exactly these, because the formulas refer to them by name. Build the reporting calendar in the first tab.

How: In the "Reporting calendar" tab, in A1, paste:

Report	Frequency (months)	Day of month	Next	Days left
VAT	2	15
Income tax advances	1	15
National insurance	1	15
Annual report

Where the numbers in columns B and C come from:

• VAT: the reporting period is two months for a dealer whose turnover doesn't exceed NIS 1,775,000 (VAT amounts table). If your turnover is higher, check your reporting period on the same page and update B. Periodic reports filed online can be reported and paid by the 19th of each month, instead of by the 15th (VAT reporting and payment). An osek patur doesn't delete this row, because the formulas below refer to rows by their number. Instead, clear B and C in this row: D and E then stay empty and the row is never colored. You can simply ignore it.
• Income tax advances: advances are a monthly or bi-monthly payment (Tax Authority glossary). Your frequency is in your advances letter, and the 15th is the day set for payment under the same definition. An online report filed by the 19th of the month at 18:30 counts as on time (Online advance payments).
• National insurance: the dates for each month are in the national insurance payment dates calendar. For example, the payment date for the self-employed in November: 15/11/2026. If you pay by standing order from your bank, the payment is made on the 22nd of each month for the previous month (How the self-employed pay), and then you write 22 in C.
• Annual report: type the date by hand in D5, from the Tax Authority's announcement. For tax year 2025 the dates were: a non-online report by 29.5.2026, an online report by 30.6.2026 (Filing the 2025 annual report). A micro business owner files a short annual report by 31.3 of the following year (Reporting for micro business owners).

In D2 and E2 paste the formulas and drag down to row 4:

D2: =IF(B2="","",DATE(YEAR(TODAY()),MONTH(TODAY())+IF(DAY(TODAY())>C2,1,0)+MOD(1-MONTH(TODAY())-IF(DAY(TODAY())>C2,1,0),B2),C2))
E2: =IFERROR(D2-TODAY(),"")

In E5 paste only the E formula, not D: you typed D5 by hand.

How the formula works: if this month's day has already passed, it moves to next month. For a monthly report (1 in B) that's all. For a bi-monthly report (2 in B) it moves forward to the next odd month: January, March, May, July, September or November. So on November 3 it returns November 15, and on November 20 it skips to January. It assumes your periods are January and February, March and April and so on, and that you report in the month after the period ends. If your letter says something else, type the date in D by hand.

A color for a report that's close: select E2:E5, and in conditional formatting choose a custom formula with a red fill:

=AND(ISNUMBER($E2),$E2<7)

Calendar reminders: the sheet shows, the calendar reminds. For each row in the table, create one recurring event in your calendar. The first date is what's in column D, and it repeats according to column B: every month or every two months, on the same day of the month. For the annual report, create a one-time event. A template for the event description:

Title: [report], for example: Income tax advance
Repeats: every [1 or 2] months, on the [day from column C]
Reminders: three days before, and again on the morning of the day
What to prepare: an up-to-date "Receipts" tab, this month's turnover from the "My share" tab
Where to report: [paste the link to the official page from the list above]
After reporting: save the confirmation in the "[year]/reports" folder

I've attached the letters I got from the authorities, after hiding my name, ID number and file numbers: [for example: VAT registration confirmation, advances letter, national insurance payment demand].

For each report or payment that appears in the letters, return a row: report | frequency in months (1 or 2) | day of month | which letter.
Rules:
1. Write only what appears in the letters. A frequency or day that isn't stated explicitly: [to check].
2. Don't fill in dates from memory and don't guess from "what's usual".
3. Return one code block, with a tab between columns, no header row.
Below the block: a short list of what you marked [to check].

Common mistake: trusting the table without checking it once a year. Dates, ceilings and reporting periods get updated. In January, open the links above and compare.

Step 3 (12 minutes): A receipts sheet with classification

What to do: Every receipt and invoice for an expense goes into one row in the "Receipts" tab. The AI reads the document and suggests a classification, and you check it.

How: In the "Receipts" tab, in A1, paste the headers:

Date	Supplier	Total amount	VAT	Category	Classification	Explanation

Select column F and set up a dropdown with only three options: deductible, not deductible, [to check].

Before you upload: receipts and invoices sometimes show an ID number, a dealer number, a card number and an account number. In a photo, cover or crop them. When you copy text from a digital receipt into the sheet, write the formula in an empty column next to the text, drag it down, and paste the result as values only:

=REGEXREPLACE(B2, "\d{5,}", "XXXX")

The formula doesn't catch a number with spaces or dashes in the middle, so take one more look. Never upload a photo of an ID card, a cheque or a credit card. In the AI tool's settings, check whether chats are used for training, and turn that off if you can.

You're a bookkeeping assistant for a freelancer in Israel. I've attached [number] receipts and invoices for expenses.

For each document return one row:
date (YYYY-MM-DD) | supplier | total amount | VAT | category | deductible / not deductible / [to check] | short explanation

Categories to choose from: [for example: equipment, software and subscriptions, communications, car, travel, office, client suppliers, other]

Binding rules:
1. Don't invent numbers. An amount, VAT or date that isn't on the document: [to check].
2. "Deductible" only when the expense is for the business alone, based on what the document says. "Not deductible" only when it's clearly private.
3. A mixed expense, business and private (car, phone, home, food, clothing): [to check], with the explanation "check with the accountant".
4. Any case you're not sure about: [to check]. Don't guess.
5. Don't copy an ID number, dealer number, card number or account number.

Return one code block, with a tab between columns, no header row. Numbers without NIS signs and without commas.
Below the block: how many documents you received, how many rows you returned, and how many [to check].

How to bring it back: click the first empty cell in column A and paste. If everything lands in one column, use split text to columns. Check each amount against the document.

Mixed expenses: the rules for car and phone expenses are in the "Know your rights and obligations in income tax" booklet (Tax Authority). The sheet doesn't calculate the deductible part. Every [to check] stays open until the accountant answers, and then you update the row.

Want receipts to come in on their own? The playbook Invoice bot shows how to send a photo of a receipt in a message and get a row in the sheet. You can point it at the same columns.

Step 4 (10 minutes): My share, a monthly set-aside

What to do: Build a tab that shows, every month, how much of the money that came in you need to put aside and not touch. The sheet doesn't calculate tax. You type the rate and the amounts from the letters, and it only multiplies, adds and subtracts.

How: In the "My share" tab, write "Month" in E1, and in F1 the first day of the month, as a formula: =DATE(2026,10,1) for October 2026. In A1 paste:

Field	Value	Source
Turnover this month before VAT		The invoices and receipts you issued this month
VAT you charged		The same invoices. Osek patur: 0
Expenses this month	=SUMIFS('Receipts'!$C:$C,'Receipts'!$A:$A,">="&$F$1,'Receipts'!$A:$A,"<"&EDATE($F$1,1))	The "Receipts" tab
Income tax advance rate		The advances letter from the Tax Authority
Set-aside for the advance	=B2*B5	Calculation: turnover times rate
National insurance		The national insurance payment demand
Pension		The amount you agreed with your fund or your accountant
VAT to pay	=B3	All the VAT you charged is kept aside
Total to set aside	=B6+B7+B8+B9	
My share this month	=B2+B3-B4-B10	

What to type in each row:

• B5, the advance rate: from the Tax Authority's letter, as a percentage. An advance based on turnover multiplies the rate set for you by your turnover in the month or two months before the 15th of the payment month (Tax Authority glossary). B6 does only that multiplication. If your letter states a fixed amount and not a rate, type it straight into B6 instead of the formula.
• B7, national insurance: the amount from the payment demand or your personal area, as it is. To understand where it comes from: there's a reduced rate on income up to NIS 7,703 a month and a regular rate above it, and anyone whose income is below NIS 3,442 a month pays contributions on a minimum income (Contribution rates for the self-employed, national insurance). The sheet doesn't calculate the amount itself.
• B8, pension: under the mandatory pension deposit for the self-employed, the rates are 4.45% on the part of income up to half the average wage, and 12.55% on the part above half the average wage and up to the average wage (Mandatory pension for the self-employed). That page explains the rules, but not the current amounts: confirm the 2026 shekel amounts of the brackets with your accountant or your pension fund. Which income counts and exactly how much to deposit is a question for your accountant. In the sheet, type the amount you agreed on.
• B9, VAT: the formula keeps all the VAT you charged aside. The amount actually due is in the periodic report. If it's lower, the difference stays with you once the report is filed.

I've attached an advances letter from the Tax Authority and a payment demand from national insurance, after hiding my name, ID number and file numbers.

From each document return:
1. The type of document and the period it covers.
2. The advance rate or the monthly amount, exactly as written.
3. The payment date and payment frequency, if stated.
4. Any other instruction in the document, in one sentence.

Rules:
1. Don't calculate tax, contributions or set-asides, and don't judge whether the amount is right.
2. Anything that isn't in the document: [to check].
3. At the end: up to three short questions for the accountant about what's unclear in the letters.

Why this way: the sheet sets aside what the authorities already asked for, not your own tax calculation. The final calculation happens in the annual report, and if it turns out the advances were too low, you'll have to pay the rest. If you want a margin, add a "tax cushion" row with an amount you set with your accountant.

Step 5 (10 minutes): A 3-month cash flow

What to do: Build a tab that shows how much will be in the account at the end of each of the next three months, and marks a month where the balance drops below a cushion you set.

How: In the "Cash flow" tab, write "Cushion" in G1, and in H1 the amount you don't want to go below. In A1 paste:

	[month 1]	[month 2]	[month 3]
Opening balance		=B5	=C5
Sure income	=B7	=C7	=D7
Going out	=SUM(B9:B11)	=SUM(C9:C11)	=SUM(D9:D11)
End of month	=B2+B3-B4	=C2+C3-C4	=D2+D3-D4
If the quotes close too	=B5+SUM($B$8:B8)	=C5+SUM($B$8:C8)	=D5+SUM($B$8:D8)
Expected income: signed			
Expected income: quoted			
Fixed expenses			
Variable and annual expenses			
Set-asides	='My share'!B10		

What to type:

• B2: the balance in your business account today, minus money you've already set aside and not yet paid. C2 and D2 take the previous month's end.
• Row 7, signed: only work with an agreement or an order, in the month the money is expected to actually arrive, not the month you sent the bill.
• Row 8, quoted: open quotes. They don't count toward the end of the month. Row 6 shows what happens if they all close.
• Rows 9 to 11: fixed expenses (rent, subscriptions, insurance), variable and annual expenses (equipment, a license renewal, a course), and set-asides. In the first month the set-aside comes from "My share". For months 2 and 3, estimate from the signed income, or copy the previous month.

Set-asides count as going out, even if the money is still in the account. That way the end of the month shows only money that's really yours.

A color for a weak month: select B5:D5, and in conditional formatting choose a custom formula with a red fill:

=B5<$H$1

What to do in a weak month:

1. Collect open invoices. Go over every job that's finished and not paid, and send a reminder with a date.
2. Postpone an expense that can wait. Equipment, a course or an annual subscription moves to the following month.
3. Contact existing clients. A client who has already worked with you closes faster than a new one: follow-up work, a monthly package, or a quote that's still open.
4. Check the advance with your accountant. If income has dropped over time, advances can be increased or reduced during the year (Tax Authority glossary). If you think your advance rate is higher than the tax you'll owe, you can file a request with explanations, and the last day to file it is January 31 of the following tax year (Request to reduce advances). The income reported to national insurance also affects the demand. Ask your accountant what to do about it, and check the minimum income rules on the national insurance website.

The list doesn't include loans, credit lines or financial products. If you're considering one of those, that's a conversation with your accountant, not a row in the sheet.

Here's my three-month cash flow tab: [paste]
The cushion I set: [amount]
Open invoices (client | amount | since when): [paste]
Planned expenses in these months: [paste]
Existing clients I've worked with in the past year (name | what we did): [paste]

Binding rules:
1. Every number is copied from the tables. Don't recalculate the cash flow.
2. Don't suggest a loan, credit, a financial product or a tax change.
3. Don't invent clients or amounts.

Return:
a. Which month drops below the cushion, and by how much.
b. A collection list: every open invoice, oldest to newest, with a short, polite reminder for each client.
c. Expenses that could be postponed, from my list only.
d. Three short messages to existing clients, each with a concrete offer based on what we did together.
e. One question for the accountant about the advance, if the weak month lasts more than a month.

Step 6 (8 minutes): The accountant folder for the end of the year

What to do: Build a tab with everything your accountant will ask for the annual report, and mark what you already have. Once a quarter, and especially in December, run a prompt that checks what's missing.

How: In the "Accountant folder" tab, in A1, paste:

Item	Have it?	Note
Income summary for the year: all the invoices and receipts you issued		
Expense summary from the "Receipts" tab, with no open [to check]		
VAT reports filed, or the osek patur annual declaration		
Income tax advance payment confirmations		
Annual confirmation from national insurance		
Annual confirmation of pension deposits		
Insurance deposit confirmations (for example disability insurance)		
Study fund deposit confirmation, if you have one		
Bank statements for the account your business money goes through		
Tax withheld at source confirmations from clients, if any		
Car and phone: bills and usage details, for the business share question		
Annual confirmation from an employer, if you also worked as an employee		

In column B write yes, no or partial. If the annual confirmation from national insurance is missing, ask your accountant where to find it. The channels national insurance uses to send the payment sheet are listed on the self-employed payment methods page. The link here is to the Tax Authority's annual report page for tax year 2025. For the next tax year the Tax Authority publishes a new page that replaces it, and you take the deadline from there and update D5 in the reporting calendar.

Here are three tabs from my business sheet:
Accountant folder (item | have it? | note): [paste]
Receipts (date | supplier | total amount | VAT | category | classification | explanation): [paste]
Reporting calendar (report | frequency | day | next | days left): [paste]

Check and return:
a. Every item in the folder marked "no" or "partial", or with the column empty.
b. Every row in Receipts classified [to check], with the date, supplier and amount.
c. Months of the year with no rows at all in Receipts.
d. One list, sorted by what's easiest to complete first, with one action per item (for example: "download the annual confirmation from the fund's personal area").

Rules:
1. Work only from the tables. Don't add documents that aren't on the list, except for a last section "maybe missing" with up to three items to check with the accountant.
2. Don't estimate how much tax will come out and don't reclassify expenses.
3. Anything unclear: [to check].

Common mistake: waiting for the accountant to ask. Whoever runs the check in December arrives with a full folder, and whoever waits is looking for March receipts in May.

A monthly routine (20 minutes a month)

1. Upload the month's receipts, after hiding identifiers, and run prompt 3. With no AI, type them into the "Receipts" tab.
2. In the "My share" tab, update F1 to the new month, and type the turnover, VAT charged, national insurance and pension.
3. Move the set-aside amount (B10) to a separate account or a separate pot, on the same day the money comes in.
4. In the "Cash flow" tab, move the months one column forward, update the opening balance, and add new quotes.
5. Look at the reporting calendar. A red row gets handled this week.
6. Every [to check] collected during the month goes onto one list, sent to your accountant once a quarter, with prompt 8.

Once a quarter, run prompt 6. In January, open the links in Steps 1, 2 and 4 and check that the ceilings, rates and dates haven't changed.

Full example: Noa, a graphic designer (a fictional business)

Everything in this example is fictional: Noa, the clients, the letters and the amounts. The rate in her advances letter is also an example and not an official figure. The numbers are for illustration only.

Background: Noa opened an osek patur file this year, after a few years as an employee at a studio. She designs logos and brand identities for small businesses, NIS 9,500 a month on average.

Step 1: Prompt 1 returned ten questions. Three of them: "Most of my clients are businesses. Does that change the recommendation between patur and murshe?", "My income is close to the osek patur ceiling. What happens if I pass it in the middle of the year?", "I work from home. What part of my home expenses could be deductible, and which documents should I keep?". She sent these to her accountant before the meeting.

Her reporting calendar, on November 3, 2026:

In the VAT row she cleared B and C, since she's an osek patur, so the row stays empty. She checked the deadline for the annual VAT declaration with her accountant and added a yearly calendar event, with the link to the rules in the guide.

The "Receipts" tab, October 2026 (shortened, without the VAT column):

The AI didn't decide on the phone and the fuel by itself. The rows stayed [to check] and went onto the list for the accountant.

The "My share" tab, October 2026:

The "Cash flow" tab, cushion 8,000:

Quoted: 3,000 in December, 6,000 in January, 7,000 in February. February also has an equipment renewal, so going out is higher. The end of February drops to 6,235, below the cushion, and the cell is red.

What prompt 5 returned (shortened): "February drops below the cushion by 1,765. Open invoices: a Pilates studio, 2,400, since 12/10/2026. Expenses you could consider postponing: the equipment renewal. Messages to existing clients: the bakery we did a logo for, an offer to design a new menu. A question for the accountant: if January and February are weak, should I ask to update the advance?"

Notice: the prompt didn't suggest a loan and didn't calculate tax. It organized what was already in the tables, and left the decision to Noa.

Step 6, in December: prompt 6 found three gaps: the annual confirmation from the pension fund, three [to check] receipts from October, and no rows at all in Receipts for July. Noa found the July receipts in her inbox, and the confirmation from the fund arrived in January.

Checklist

• The five tab names match the names in the formulas exactly
• The dealer type was decided after a meeting with the accountant, with the list of questions from Step 1
• In the reporting calendar, the frequency and day in each row were checked against the letter or the official page
• Every report has a recurring calendar event with a reminder ahead of time
• Every uploaded document had the ID number, dealer number, account and card numbers hidden
• Every receipt of the year is in the "Receipts" tab, and every [to check] was sent to the accountant
• The advance rate and national insurance amount in "My share" were typed from the letters, not calculated
• The monthly set-aside moves aside on the same day the money comes in
• Only signed work counts as sure income in the cash flow
• The annual confirmation of pension deposits and the annual confirmation from national insurance are in the folder
• In January, every link to an official page was checked

Ready-made prompts

Prompts 1 to 6 are in the steps. Here are two more for the routine. Replace what's in square brackets.

You're writing me a short monthly summary of my business, from my sheet.
This month's "My share" tab: [paste]
The "Cash flow" tab: [paste]
The reporting calendar: [paste]

Rules:
1. Every number is copied from the tables. Don't recalculate.
2. Don't estimate tax, don't recommend a financial product and don't suggest a loan.
3. Half a page at most, in plain language.

The structure:
a. How much came in, how much was set aside and how much is left.
b. The next report and when it's due.
c. Whether any month in the cash flow is below the cushion.
d. Up to three tasks for next month.

Here are all the rows in the "Receipts" tab classified [to check]: [paste]
And here are questions I collected during the quarter: [paste]

Write a short, polite email to my accountant:
1. A one-sentence opening.
2. A table of the open expenses: date | supplier | amount | what's unclear.
3. The other questions, numbered.
4. A request for an answer by [date].
Don't add your own views on what's deductible and what isn't. Don't include ID or account numbers.

Disclaimer

This content is general recommendations only, not professional, legal, accounting or tax advice, and not pension advice or investment advice. Every business is different. You are responsible for checking that it fits your situation, and for checking the data, prompts and formulas before you use them. Amounts, rates and dates were checked on the date at the top of the page against the official pages they link to, and they change. What the official site says is what counts. The sheet is a tool for organizing and tracking, and doesn't replace books kept by law, reports, confirmations or official payment demands. Before you open a file, choose a dealer type, change an advance, classify an expense or file a report, consult a certified accountant or tax adviser, and for pension questions a licensed pension adviser.

The content, prompts, templates and code are provided as is, with no warranty that they fit a particular purpose or are free of errors. Gindi Innovation and Aviad Gindi are not liable for any damage, direct or indirect, arising from using them or relying on them, including output from AI tools. Use is subject to the site terms.

What's next

Want receipts to go into the sheet without copying? The Invoice bot does that. Managing your household money too? Household finances is built the same way, and what's left for you in "My share" is its income.

Here you upload, paste and update by yourself once a month. The same sheet can be connected so receipts that arrive by email are read on their own, the rows wait for your approval, and the reminders and the monthly summary reach you ready. The decisions stay with you and your accountant.