Every year, thousands of self-employed individuals make the same mistakes in their tax returns — wrong form, missing attachments, or incorrect calculations. Go through the 10 most common mistakes and find out how to avoid them.
An AI accounting assistant can take over a surprisingly large chunk of your admin work. Here are 5 specific things it handles for you — from categorizing receipts to estimating your income tax.
How much do you actually pay to manage your accounting as a self-employed person? We compare the costs of hiring an external accountant, using accounting software, and AI tools. Find out what makes the most financial sense in 2026.
Enterprise accounting software is overkill for a one-person business. We'll show you how to digitize your accounting the simple way – with the phone you already have in your pocket.
WhatsApp accounting is a new way for OSVČ to handle document tracking. Snap a receipt, message your assistant, done. Why messaging is changing the rules of the game.
An advance invoice is a common business tool, but many OSVČ don't know how to issue one correctly. Read our complete guide, including how to handle VAT and the relationship to the final settlement invoice.
AI accounting for OSVČ is changing the game. See how artificial intelligence processes documents, tracks deadlines, and saves time and money for sole traders in 2026.
An accounting chatbot works great for routine document tracking, but sometimes you need a human expert. When is AI enough and when isn't it? An honest comparison.
Are you renting out your flat through Airbnb or Booking? Find out how to correctly tax your short-term rental income, when you need a trade licence, and what obligations await you in 2026.
An overview of all tax credits and non-taxable portions of the tax base that self-employed individuals can claim on their 2025 tax return. Including abolished credits and practical examples.
Did you discover an error in your tax return after the filing deadline? An amended tax return is the way to fix it. Find out when you're required to file one, how to fill it in, and what penalties may apply.
Did you purchase a car, laptop, or piece of equipment for your business? Asset depreciation lets you spread the expense over multiple years and reduce your tax bill. We explain straight-line and accelerated depreciation, depreciation groups, and when depreciation is actually worth it.
A complete guide to mobile app categories that will make running a self-employed business easier in 2026. From accounting and invoicing to banking and project management.
Bogus self-employment is the most common form of illegal work in the Czech Republic. Since 2024, even a single instance is enough to trigger a violation, and from 2025 a ban on business activities was added as a penalty. Find out what signs inspectors look for and how to set up a legal working arrangement.
The law doesn't require a business account for most self-employed people, but separating your business and personal finances can save you hours of bookkeeping. We'll guide you through what to look for when choosing an account and when a separate account becomes a practical necessity.
Getting a loan as an OSVČ is often more challenging than for salaried employees. We've put together a complete guide to help you prepare all the necessary documents and improve your chances of approval.
A business plan is a key document for every entrepreneur. Find out how to write one correctly, what structure it should follow, and when you'll need it.
Do you use a car for business? You have two main ways to deduct vehicle expenses from your taxes: a flat-rate transport allowance of CZK 5,000 per month, or actual expenses tracked with a mileage log. Each approach suits a different situation. We'll walk through both in detail with real numbers.
Positive cash flow matters more to the self-employed than profit on paper. Without money in your account, you can't pay insurance contributions, rent, or suppliers — regardless of how many unpaid invoices you have outstanding. Here are practical tips on how to monitor, plan, and keep your cash flow under control.
Do you pay or receive payments in cash? Find out about the legal 270,000 CZK limit, what fines you risk, and how to properly document cash payments.
A complete guide to the child tax credit for OSVČ. Find out how much you can claim for your first, second, and third child, how the tax bonus works, and what limitations apply when using flat-rate expenses.
Thinking about closing your business? Read our complete guide to cancelling a trade licence, including all obligations towards the tax office, ČSSZ, and your health insurance provider.
Looking for the right accounting software for your business? We compare categories of accounting solutions for the self-employed in 2026 — from Excel spreadsheets and desktop programs to AI assistants.
2026 has brought a number of changes that affect virtually every entrepreneur and OSVČ. Read the complete overview of all updates in one place.
Need to cancel an invoice or adjust the tax base? Find out how to correctly issue a credit note, what mandatory details it must include, and how it will affect your VAT.
A data mailbox has been mandatory for all OSVČ since 2023. Find out how to activate it, what obligations come with it, and how to use it effectively in your day-to-day business.
Archiving accounting documents is a legal obligation, and violations can result in hefty fines. Find out how long to keep invoices, tax returns, contracts, and payroll records — and how to archive them correctly, both digitally and on paper.
Work agreements outside of employment have gone through further changes in 2026. Find out what the current limits, contributions and rules are for DPP and DPČ.
Well-crafted terms and conditions are the foundation of every e-shop. Find out what they must include by law and how to avoid the most common mistakes.
These days, virtually every OSVČ needs an electronic signature — whether for communicating with authorities, signing contracts, or filing tax returns. We bring you a complete guide on how to obtain a qualified certificate, how much it costs, and when it's worth it.
A lost receipt can mean a disallowed expense. Learn how to track expenses on your mobile, whether digital copies are valid, and how to save yourself hours of work.
Hiring your first employee? We'll walk you through all registration obligations with the ČSSZ, health insurance funds, and the tax authority — including the new Unified Monthly Employer Report (JMHZ) effective from April 2026.
Starting your own business? We've put together a complete overview of everything you need to sort out in your first year as an OSVČ — from registration and insurance to your first tax return.
Not sure whether flat-rate expenses or actual costs make more sense for you as an OSVČ? This guide with a calculator will help you choose the optimal option for 2026 and save on taxes and contributions.
The flat-rate tax in 2026 has seen a change in the 1st band — the monthly advance payment has risen to 9,984 CZK. This complete guide covers the current conditions, income limits for all three bands, the registration process, and practical advice on who benefits from the flat-rate scheme.
Flat-rate tax or a standard tax return? We compare both regimes for OSVČ with concrete calculations for different income levels to help you figure out what's better in 2026.
The flat-rate transport allowance of CZK 5,000 per month is a popular way for OSVČ to simplify claiming vehicle expenses. Find out when you can use it, what the conditions are, and when actual expenses work out better — with concrete calculations.
Do you work as a freelancer — a developer, designer, copywriter, or consultant? This guide covers everything about taxes in 2026: from choosing the right trade licence to flat-rate expenses, insurance contributions, invoicing foreign clients, and practical examples of calculating your tax liability.
GDPR applies to sole traders and the self-employed too — it's enough that you issue invoices or maintain a client list. Find out what your obligations are, when you don't need a data protection officer, and how to avoid fines from the data protection authority.
In 2026, a number of grant programmes funded by both EU and national sources continue to be available to OSVČ and small businesses. We bring you an overview of current calls, eligibility conditions, and practical tips on how to submit a successful application.
The annual income and expenses report for your health insurance provider is a mandatory obligation for every self-employed person (OSVČ). Find out how to fill it in correctly, when to submit it, and how your new health insurance advance payments are calculated.
Minimum advance payments for self-employed health insurance in 2026 have risen to 3,306 CZK per month. Find out how advance payments are calculated, what the deadlines are for submitting the annual overview, and what has changed compared to the previous year.
Do you work from home as a self-employed professional? Find out what home office costs you can deduct from your taxes — from rent to utilities and internet. We explain the rules, proportional calculations, and common mistakes.
Find out exactly how much you'll pay as a self-employed person in income tax, social security, and health insurance in 2026. Practical calculation examples for incomes ranging from 500,000 to 3,000,000 CZK.
Issuing your first invoice doesn't have to be complicated. We've put together a detailed guide for new OSVČ — from mandatory details and numbering to electronic invoices.
Are you paying more in taxes than you have to? We present 10 legal ways for OSVČ to optimize their tax liability — from choosing an expense method to credits and deductions.
Want to start working as a self-employed person (OSVČ)? This guide walks you through the entire process of registering a trade licence in 2026 — from choosing the type of trade and filling in the JRF form to registering with the tax office, ČSSZ, and your health insurance provider. Includes current fees and required documents.
Admin takes Czech sole traders an average of 12 hours a month. With these proven methods, you can cut that in half — no expensive software, no accountant required.
Keeping income and expense records is a legal requirement for every self-employed person who uses cash-basis tax records. Find out which documents to keep, how to correctly record income and expenses, which format to choose, and what to watch out for during a tax audit.
Every OSVČ is required to submit an Income and Expense Statement to ČSSZ. We walk you through filling in the form step by step, highlight key deadlines, and show you how to calculate your new advance payments.
Are you creating content on YouTube, Instagram, or TikTok and making money from it? Then under the law, you're a business owner – self-employed (OSVČ). This guide explains how to properly report all types of influencer income: from AdSense to sponsored collaborations and barter deals, all the way to affiliate commissions and fan donations.
Automated invoicing doesn't have to mean complex software. Find out how to issue invoices with a voice command or a photo – directly from WhatsApp, no installation required.
What are the legal invoice due dates and how do you set them correctly? An overview of rules for B2B and the public sector, calculating late payment interest, and practical tips for OSVČ.
An invoice from a non-VAT registered business must meet exact legal requirements. Find out what must be included, what should never appear on it, and take a look at a practical template.
Find out what mandatory requirements an invoice must meet in 2026. Differences between VAT payers and non-payers, the most common mistakes, and how to avoid fines.
Do you invoice customers abroad? Find out what information an international invoice must include, when you become a VAT-identified person, how reverse charge works, and which exchange rate to use. A complete checklist based on current legislation for 2026.
Are you invoicing Slovak clients and unsure how to handle VAT? Find out when you become an identified person, how reverse charge works and what a invoice to Slovakia must include. A complete guide for both VAT payers and non-payers.
Liability insurance can save self-employed people hundreds of thousands of crowns in the event of an unexpected claim. Find out when it's mandatory, what types exist, and how to choose the right insurance for your business.
Did you know that missing a company registration number or commercial register entry on your business website can result in a fine of up to CZK 100,000? Check whether you have all the mandatory information required by law.
A mileage log is required for self-employed individuals claiming actual vehicle expenses. When do you need to keep one, what information goes in it, what does a correct entry look like, and what mistakes should you avoid? A complete guide with a template for 2026.
Minimum advance payments for OSVČ have risen significantly in 2026. We bring you a complete overview of amounts, deadlines, payment details and a practical guide on how to calculate advance payments correctly based on your actual income.
A complete overview of tax deadlines for OSVČ and a practical guide to setting up automatic reminders. Avoid penalties, late fees, and unnecessary stress.
Do you occasionally sell old stuff, help your neighbour with the garden, or do the odd translation job? If your occasional income doesn't exceed 50,000 CZK per year, you don't have to pay tax on it. But watch out — the rules come with some tricky details.
Do you sell online courses, e-books, or software to customers in the EU? Once you exceed 10,000 EUR per year, you must remit VAT in the customer's country. The OSS scheme makes this significantly easier — you register just once in the Czech Republic and handle VAT for all EU countries from a single place.
Getting a mortgage as an OSVČ is more challenging than for an employee, but it's certainly not impossible. The key is proper preparation, a clean tax return, and knowing how banks assess self-employed income.
As an OSVČ, you often pay the minimum social insurance contributions. The result can be a pension significantly lower than you expect. We look at how an OSVČ pension is calculated, how much you'll realistically receive, and what options you have to boost it.
A clear calendar of all deadlines that OSVČ must meet in 2026. From filing the tax return to reports for ČSSZ and the health insurance company, advance payments for social and health insurance, VAT, and flat-rate tax — everything in one place.
Did you miss the tax return deadline? Find out how much you'll owe in penalties, how late payment interest is calculated, and whether you can request a waiver. Includes a calculator and practical examples.
Invoice digitization using OCR and artificial intelligence achieves accuracy above 99%. What exactly happens on the journey from a receipt photo to a finished accounting record?
Receipt, till receipt, invoice, tax document, simplified tax document -- how do they differ and when do you need which one? A complete overview of the rules for VAT payers and non-payers in 2026.
Reverse charge VAT changes the rules of the game — the obligation to account for VAT shifts from the supplier to the customer. Find out which sectors it applies to, how to invoice correctly, and what to report to the tax authority.
Are you a student looking to earn extra income with a trade licence? As a student under 26, you're entitled to secondary activity status, lower contributions, and a range of benefits. Read on to find out how to run a business as a student in 2026.
Retiring doesn't have to mean the end of your professional life. Running a business as a self-employed person (OSVČ) on a secondary basis offers retirees a number of advantages — lower contributions, a 6.5% social insurance discount, and the ability to earn as much as you like with no income cap.
Want to earn extra income through a side business but don't want to give up the security of a job? Here's a complete guide to running a business alongside employment as an OSVČ on secondary activity in 2026.
Are you running a business alongside employment, studies, or parental leave? As a secondary OSVČ, you benefit from significantly lower insurance contributions and don't need to pay advance payments until your profit exceeds the threshold of 117,521 CZK. Find out who qualifies for secondary self-employment status, what the limits are for 2026, and how your tax return differs.
Planning a family while running your own business as an OSVČ? Find out how to claim maternity benefit, how much you'll receive, whether you can work during maternity leave, and what your obligations are towards the insurance authorities.
Your self-employed tax return for 2025 must be filed by 1 April 2026 at the latest. This guide covers exact deadlines, current tax rates, tax credits, flat-rate expenses, and practical calculation examples — all with links to official Czech Tax Administration forms.
Want to run your business while on parental leave without losing your parental allowance? Here is a detailed overview of the rules for self-employed parents on parental leave in 2026 — from allowance amounts to insurance obligations.
Thinking about launching your own online store? Beyond choosing your products and platform, you'll face a whole range of legal obligations — from obtaining a trade license to consumer protection, GDPR, and cookies. This guide includes a complete checklist so you don't miss a thing.
Sickness insurance is voluntary for the self-employed, but it can protect you from loss of income during illness or maternity leave. Find out how much it costs, what you get in return, and whether it's worth paying.
Everything about social insurance for OSVČ in 2026 — from calculating advances and sickness insurance to completing the overview for ČSSZ. Practical examples and up-to-date figures.
Considering whether to operate as a sole trader or set up a limited company? We compare both business structures from the perspective of taxes, contributions, liability, administration, and prestige — including specific calculations for 2026.
Thinking about suspending your trade licence? We'll walk you through the entire process — from filling out the change form to notifying the relevant authorities and understanding the impact on health and social insurance. Suspension is free of charge, and you can reinstate your licence at any time.
A tax audit from the tax office doesn't have to be a nightmare. If you know what to expect, what your rights are, and which documents to prepare, you can get through it stress-free. Read the complete guide for OSVČ.
Registering with the tax office is one of the first steps for every new entrepreneur. Find out which forms you need, what deadlines apply, and how to handle the entire process conveniently online.
Tax optimisation isn't just a March thing. This monthly guide will show you what to do every month of the year so that, as a self-employed person, you only pay what you have to in taxes.
The tax point date — the date of taxable supply — is a key piece of information on every VAT-registered invoice. Getting it right determines which VAT period you need to declare and pay VAT in. Here's a look at the rules for different types of transactions.
Tax records are the foundation of every self-employed person's business. Find out how to properly maintain an income and expense ledger, record assets and receivables, how long to archive documents, and what the most common mistakes are. A practical guide with examples for 2026.
Tax records or accounting? Every OSVČ needs to know which record-keeping system to use. We explain the key differences, obligations, and when it makes sense to switch to accounting.
Thinking about transitioning from sole trader (OSVČ) to a limited liability company? The decision depends on your profit level, liability risk, and growth plans. This guide covers the concrete steps, a tax burden comparison, three transition approaches, and typical mistakes to avoid.
Going on a business trip? Find out how much you can claim as an OSVČ in 2026 for meal allowances and travel expenses. We bring you the latest rates under Decree No. 573/2025 Coll., along with practical calculation examples.
Has a client failed to pay an invoice? Find out the exact debt recovery process step by step — from the first reminder all the way to court proceedings and enforcement.
The VAT Control Statement is mandatory for every VAT payer. We bring you a detailed guide on how to correctly fill in all sections, meet deadlines and avoid penalties.
VAT deduction can save you tens of thousands of crowns a year — but only if you meet all the legal requirements. Find out when you're entitled to a full, reduced, or pro-rata deduction and how to avoid the most common mistakes.
A VAT-identified person is not the same as a VAT payer. Find out when you're required to become one, what obligations it entails, and why you're not entitled to deduct input VAT.
Since 2024, the Czech Republic has only two VAT rates — the standard 21% and the reduced 12%. Find out what falls under each rate, what changes the consolidation brought, and what to watch out for in 2026.
The recapitulative statement is an obligation that applies to VAT-registered businesses trading within the EU. Find out who must file it, which transactions to include, and how to submit it correctly.
VAT registration in 2026 comes with new rules. A turnover limit of CZK 2,000,000 per calendar year, a second threshold of CZK 2,536,500, and revised deadlines. Find out when and how to register.
Voluntary VAT registration can save you thousands of crowns, but it can also bring unnecessary administrative burden. Find out when it's worth registering and when it's better to stay VAT-exempt.
WhatsApp Business offers Czech entrepreneurs a range of free features — from automated replies to a product catalogue. Find out how to make the most of it and connect it with an AI accounting assistant.
A comprehensive guide to WhatsApp Business API for small businesses. Implementation, costs, automation, and ROI of up to 400%.
How AI and digitalization are revolutionizing accounting in 2025. New tools, trends, and opportunities for the modern self-employed professional.
Overview of all tax deductions for OSVČ in 2025. From basic allowances to new savings options of up to 50,000 Kč per year.
A complete guide to VAT for OSVČ in 2025. Registration, record-keeping, deadlines, and practical tips on how to avoid penalties.
Choosing the right accounting advisor can fundamentally impact the success of your business. Here is a practical guide on what to focus on when selecting an accountant.
A complete overview of all tax changes for 2025. Find out what's changing and how it will affect your business.
A detailed comparison of accounting software for OSVČ. Find out which one is right for you and save thousands of CZK a year.
Find out everything you need to know about accounting for OSVČ in 2025. From flat-rate tax to tax records and the most common mistakes.
WhatsApp isn't just for chatting. Find out how to use it for efficient business operations and save hours every week.
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