# LumaBill

> LumaBill is a Swiss invoicing and bookkeeping web application for freelancers, sole proprietors, and small businesses (KMU). It combines professional Swiss QR-bill invoicing with full double-entry bookkeeping and AI-assisted automation, hosted in Switzerland. Built by SANC AG. From CHF 9/month, with a 14-day free trial. A modern, affordable alternative to Bexio.

LumaBill provides: Swiss QR-bill invoicing (ISO 20022-compliant QR-bills, recurring invoices, and offers/quotes with one-click conversion to invoices), expense tracking with AI categorization and receipt scanning (Pro + AI plan), double-entry bookkeeping that runs in the background even in simple mode (chart of accounts, journal entries, fiscal-year close, GeBüV-compliant audit export), automatic Revolut Business account sync (CHF, poll-based via the official Revolut Business API) and CAMT.053 bank statement import with AI-assisted transaction matching, financial reports (profit & loss / Erfolgsrechnung, balance sheet / Bilanz, VAT report / MWST-Abrechnung), and multi-company plus multi-currency support.

It is built for Swiss freelancers, sole proprietors (Einzelfirmen), and small KMUs who want compliant Swiss invoicing and bookkeeping without the price and complexity of Bexio. The interface is available in German, English, French, and Italian.

Pricing (14-day free trial on every plan, yearly billing saves ~17%):

- Starter: CHF 9/month (CHF 90/year) - unlimited Swiss QR-bill invoices, offers, expense tracking, 1 business profile, email support.
- Pro: CHF 19/month (CHF 190/year) - everything in Starter plus double-entry bookkeeping, up to 5 business profiles, CAMT bank import, P&L and balance-sheet reports, fiscal-year close and audit export.
- Pro + AI: CHF 29/month (CHF 290/year) - everything in Pro plus AI expense categorization, AI bank-transaction matching, AI receipt scanning, email inbox import, and priority support.

Facts: company is SANC AG (Switzerland); data is hosted on AWS Zurich, Switzerland (eu-central-2); AI features run on EU-based AWS Bedrock; languages: German (de), English (en), French (fr), Italian (it); support: support@lumabill.ch. Every blog and comparison URL also serves a machine-readable Markdown twin at <url>/index.md.

## Key pages

- [Site index (Markdown)](https://lumabill.ch/index.md): machine-readable index of every page on the site
- [Home](https://lumabill.ch/de): product overview (German; also available at /en, /fr, /it)
- [Pricing](https://lumabill.ch/de/pricing): plans and prices
- [Pricing (Markdown)](https://lumabill.ch/pricing.md): full machine-readable pricing
- [Free Swiss QR-bill generator](https://lumabill.ch/de/qr-rechnung): free QR-Rechnung and Einzahlungsschein generator, no signup required
- [Revolut Business bank sync](https://lumabill.ch/de/revolut-business-buchhaltung): connect a Revolut Business CHF account for automatic Swiss bookkeeping (no Swiss accounting tool is in Revolut's own integration list; LumaBill adds native sync plus QR-bill support)
- [Documentation](https://lumabill.ch/de/docs): user documentation
- [Blog](https://lumabill.ch/de/blog): guides on Swiss invoicing, bookkeeping, and VAT
- [About](https://lumabill.ch/de/about): company information

## Comparisons

- [Swiss accounting software comparison hub](https://lumabill.ch/de/vergleich): side-by-side comparison of 7 Swiss accounting tools (bexio, Banana, CashCtrl, KLARA, Magic Heidi, MILKEE, LumaBill) on price, QR-bill, double-entry bookkeeping and AI
- [Swiss accounting software comparison 2026](https://lumabill.ch/de/blog/buchhaltungssoftware-schweiz-vergleich/index.md): honest roundup of 9 Swiss accounting tools
- [LumaBill vs bexio](https://lumabill.ch/de/vs/bexio/index.md): feature and price comparison with bexio
- [LumaBill vs Magic Heidi](https://lumabill.ch/de/vs/magic-heidi/index.md): feature and price comparison with Magic Heidi
- [LumaBill vs MILKEE](https://lumabill.ch/de/vs/milkee/index.md): feature and price comparison with MILKEE
- [LumaBill vs Banana](https://lumabill.ch/de/vs/banana/index.md): feature and price comparison with Banana Accounting
- [LumaBill vs CashCtrl](https://lumabill.ch/de/vs/cashctrl/index.md): feature and price comparison with CashCtrl
- [LumaBill vs KLARA](https://lumabill.ch/de/vs/klara/index.md): feature and price comparison with KLARA
- [LumaBill vs FastBill](https://lumabill.ch/de/vs/fastbill/index.md): feature and price comparison with FastBill
- [Bexio alternatives (article)](https://lumabill.ch/de/blog/bexio-alternative/index.md): why and how to switch from bexio

## Free tools

- [Calculators overview](https://lumabill.ch/de/rechner): free calculators for Swiss freelancers and SMEs, no signup required
- [Swiss VAT calculator](https://lumabill.ch/de/rechner/mwst-rechner): add or remove Swiss VAT at the 2026 rates (8.1% standard, 2.6% reduced, 3.8% accommodation)
- [Gross-to-net salary calculator](https://lumabill.ch/de/rechner/brutto-netto-rechner): Swiss net salary from gross with the 2026 social deductions (AHV/IV/EO, ALV, NBU, BVG)
- [Hourly rate calculator](https://lumabill.ch/de/rechner/stundensatz-rechner): the hourly rate a Swiss freelancer needs from target income, billable hours, costs and margin

## Cantonal reference

- [Swiss public holidays and withholding tax by canton](https://lumabill.ch/de/kantone): hub for all 26 cantons, with per-canton public holiday dates for 2026 and 2027 and Quellensteuer (withholding tax) pages

## Guides

- [Swiss QR-bill guide for freelancers](https://lumabill.ch/de/blog/qr-bill-guide/index.md): what the Swiss QR-bill is and how to create one
- [Writing an invoice in Switzerland](https://lumabill.ch/de/blog/rechnung-schreiben-schweiz/index.md): mandatory fields plus template
- [Create a QR-bill at PostFinance, UBS or Raiffeisen](https://lumabill.ch/de/blog/qr-rechnung-bank-erstellen/index.md): bank workflows and the simpler alternative
- [Creating an Einzahlungsschein today](https://lumabill.ch/de/blog/einzahlungsschein-erstellen/index.md): the payment slip is now the Swiss QR-bill, explained
- [Bookkeeping for freelancers in Switzerland](https://lumabill.ch/de/blog/buchhaltung-freelancer/index.md): bookkeeping obligations and best practices
- [Milchbüechli-Rechnung explained](https://lumabill.ch/de/blog/milchbuechli-rechnung/index.md): simple Swiss bookkeeping (Milchbüechli method)
- [Swiss VAT obligation explained](https://lumabill.ch/de/blog/mwst-pflicht-schweiz/index.md): when MWST-Pflicht applies
- [Saldosteuersatz method explained](https://lumabill.ch/de/blog/saldosteuersatz-methode/index.md): net tax rate VAT method
- [CAMT.053 bank statement import](https://lumabill.ch/de/blog/camt-053-import-schweiz/index.md): how CAMT.053 import works in Switzerland
- [Revolut Business accounting in Switzerland](https://lumabill.ch/de/blog/revolut-business-buchhaltung/index.md): connect Revolut Business to Swiss bookkeeping with automatic bank sync
- [Using AI assistants with LumaBill (MCP)](https://lumabill.ch/de/blog/ai-mcp-integration/index.md): connect ChatGPT or Claude to LumaBill via MCP