Up to 100
Transactions per month
ZZavi
Simple accounting for Estonian small businesses
Accounting software built for business owners, not accountants.
If you run an OÜ or FIE, Zavi connects your accounts, categorizes transactions, applies VAT treatment, and keeps compliance deadlines in one clear workflow. No double-entry. No VAT code lookups. Just plain-language accounting you can understand.
EUR 19-59
Pricing range
30 days
Free trial
The problem in Estonia is not the rules. It is the tools.
Existing accounting software is designed for trained accountants. Most founders either learn bookkeeping concepts they do not need, or pay EUR 200-400 per month to outsource routine work.
Existing tools are accountant-first
Double-entry bookkeeping, account codes, and journal entries are powerful for experts but overwhelming for most owners.
Hiring a bookkeeper is costly
Small businesses with low transaction volume often pay for professional capacity they barely need.
Zavi closes the gap
You get compliant outcomes with a simple interface that explains what is happening and why.
How Zavi works
Step 01
Connect your accounts
Link LHV, Wise, SEB, Swedbank, Stripe, or PayPal and pull transactions automatically.
Step 02
Automatic categorization
AI classifies recurring and common patterns in real time, while unusual items are flagged in plain language.
Step 03
VAT determination
For each revenue transaction, Zavi applies the right VAT treatment and explains which rule applies and why.
Step 04
Compliant invoicing
Generate Estonian-compliant invoices with sequential numbering, multi-currency support, and PDF export.
Step 05
Compliance calendar
Track VAT returns, TSD declarations, and annual report deadlines with proactive reminders.
Step 06
Tax optimization
Understand retained vs distributable profits and plan salary vs dividend mix without accounting jargon.
Why Zavi is different
Built for business owners, not accountants
No double-entry bookkeeping screens. No chart-of-accounts maze. Zavi translates accounting logic into plain language.
Software-first, not service-first
Routine bookkeeping work is automated so pricing can stay at EUR 19-59/month, not EUR 200-400/month.
Transparent, not opaque
See each VAT rule applied, each conversion source, and each categorization confidence level.
Built by Estonian tax insiders
Tax logic is designed by a financial controller and validated by a 25-year Estonian Tax Office veteran.
Zavi vs alternatives
Merit Aktiva is a capable tool and the standard for accountants in Estonia, but it is built for professionals. Zavi targets owners who need the same compliance outcome with less complexity.
| Metric | Zavi FIE | Zavi OÜ | Zavi OÜ+ | Merit Aktiva | Accountant |
|---|---|---|---|---|---|
| Monthly price | EUR 19 | EUR 39 | EUR 59 | EUR 15-25 | EUR 200-400 |
| Learning curve | Minimal | Minimal | Minimal | Steep | None (delegated) |
| Transaction categorization | AI-powered | AI-powered | AI-powered | Manual by user | Manual by accountant |
| VAT determination | Automatic + explanation | Automatic + explanation | Automatic + explanation | Manual by user | Manual by accountant |
| Double-entry required | No | No | No | Yes | No (delegated) |
Who Zavi is for
Great fit
- - Estonian OÜ and FIE owners
- - Services, consulting, retail, trades, and e-commerce businesses
- - Founders with up to 100 transactions per month
- - Business owners who want clarity without learning double-entry bookkeeping
- - Price-conscious operators who overpay for current tools or services
- - E-residents running OÜ companies remotely
Not a fit yet
- - Complex payroll across many employees
- - Manufacturing and inventory-heavy operations
- - Highly regulated industry workflows
- - Teams wanting full custom chart-of-accounts setup
- - Owners who prefer fully delegated accounting service
Pricing
Monthly software pricing for routine accounting, plus optional on-demand accountant review for complex edge cases.
Free Trial
EUR 0
30 days, full access, no credit card required.
- - All features
- - No commitment
- - Start in minutes
FIE
EUR 19 / month
For sole proprietors.
- - Unlimited transactions
- - VAT logic and invoice generation
- - Compliance calendar and reminders
OÜ
EUR 39 / month
For limited companies without employees.
- - Everything in FIE
- - Multi-currency reconciliation
- - Tax optimization dashboard and annual report wizard
OÜ+
EUR 59 / month
For companies with 1-2 employees.
- - Everything in OÜ
- - Payroll and TSD declaration generation
- - Priority support
Built by people who know Estonian tax from the inside
CEO — Financial Controller & Business Owner
Owns Zavi's accounting logic and validates VAT determination and categorization rules.
Advisor — 25+ Years at the Estonian Tax Office
Validates tax calculations against decades of real-world regulatory expertise.
CTO — 20 Years in Systems Engineering
Builds reliable infrastructure and secure systems for financial operations.
Start your free 30-day trial
Connect your account and see categorized transactions with VAT treatment in under 90 seconds. No credit card required. No commitment. Just clarity about your business finances.