Xolo alternatives in Spain: accounting services for autónomos (2026)

Finlai publishes this comparison and sells one of the services included. We have a commercial interest. The options are grouped by need, not ranked as an independent best-of list.

Here, Renta means the annual personal income tax return in Spain. An autónomo is a self-employed person registered in Spain.

What changes if you invoice abroad?

List the countries, customer types and transactions involved before comparing. Local and Global have different scopes.

Ask the new provider to confirm each transaction and the filings needed for your activity. An English-language page does not establish that every consultation or international procedure is covered.

Four alternatives according to your needs

Prices and conditions checked on 26 October 2026. N/A means we could not establish a comparable total.^{[1][2][3][4][5]}

Annual-plan equivalents are not cancellable monthly fees. Confirm the current quote, tax treatment and scope before signing.^{[1][2][3][4][5]}

Taxfix: choose who handles the bookkeeping

Pro advertises quarterly and annual filings and Renta from the year you subscribe. Premium adds calls and bookkeeping handled by the advisor.^[3]

It may suit you if you want to choose that level of delegation. Ask about previous tax years and which income the Renta service covers.^[3]

Compare Premium with a similarly scoped plan rather than an entry-level fee.^[3]

TaxDown: compare Standard with Premium

Standard advertises tax filing and tools for recording your activity. Premium adds expert bookkeeping of invoices and phone advice.^[2]

It may suit you if you want to choose how much work you do yourself. Official pages disagree on whether the advertised fee includes VAT; request the total in writing.^[2][6]

The pricing page states a minimum three-month commitment.^[8]

Finlai Gold: delegate to a personal advisor

Finlai: Free autónomo registration, no subscription required. Discover your plan without creating an account.

Gold includes bookkeeping, tax filings, Renta and unlimited chat and phone consultations. It may suit you if you want a regular contact and year-round tax management.^[1]

Our published comparison lists assisted switching. Ask separately about earlier quarters or specialist proceedings: help moving your records does not establish that this extra work is included.^[7]

Declarando: software with tax guidance

The offer separates using the software with your existing accountant from managing taxes through Declarando. It may suit you if you want to take part in bookkeeping and filing.^[5]

Básico with taxes advertises a monthly equivalent tied to an annual plan. Confirm who reviews and submits each return: our published comparison records customer submission according to its help documentation, rather than full delegation to an advisor.^[5][7]

The Básico offer targets earnings up to €1,000/month; ask which tier fits your activity.^[5]

When staying with Xolo may make sense

If your current plan covers your activity, you are comfortable with the workload and you receive the filings and support you need, staying can be reasonable. Compare any upgrade with the full cost of moving, including earlier work and cancellation terms.^[4]

When Finlai is not right for you

• You already have an accountant and only need invoicing software: a complete tax-management plan may add services you do not need.
• You pay tax in the Basque Country or Navarre: Finlai does not serve those territories.
• Your only priority is the lowest entry fee: compare plans with less delegation and check the same tasks and taxes.
• You need an inspection defence, a penalty case or an appeal: these proceedings are outside the ordinary plan; ask a specialist.
• You have employees or a limited company: Gold is not the comparable plan. Ask about Premium or Empresas and their scope.

How to switch without losing your records

1. 1

   Agree who completes each period

   Record which provider files the current quarter, Renta and annual summaries. If a tax notice is open, agree who handles it and which work needs a separate quote.

2. 2

   Download your records before cancelling

   Keep ledgers, invoices, filed returns and submission receipts. Check available export formats and how long you retain access after cancellation.

3. 3

   Ask the new advisor to check the handover

   Send the records and ask for confirmation of what has arrived and what is missing. Request a separate quote for correcting errors or completing earlier work.

4. 4

   Check the contract, access and first filing

   Check renewal, commitment and cancellation dates. Agree how representation and tax notifications will be managed. Keep the receipt for the new advisor’s first submission.

The detailed handover checklist is currently available in Spanish; use your browser translation if needed.

1. Switching-accountant checklist (Spanish)

What to ask before booking a call

Tell the advisor about your activity, countries involved, employees and any open issues. Ask for a quote covering bookkeeping, returns, Renta and the handover. Finlai provides service in Spanish and English; confirm the language of your day-to-day contact.

1. Call Finlai: +34 699 114 262